All good points but if you're wasting $30 a day on fast food and other crap...52 weeks a year but let's say you take two weeks of vacation, now $30x50weeks=$1500 in crap you don't need. You may have the money now, but you'll be broke when you retire. Spending habits aren't always relative to income. There are multimillionaires in vehicles worth $5000 because they learned not to spend money like a moron Edit: literally ignore my math fail. I had just woken up....