You can't save if you don't have any extra income!  Maybe you haven't noticed but it is the middle income Baby Boomers that have been taking the hit from the stock market, our 401k, retirement, higher education cost for our children, budget cuts, NAFTA shipping our jobs out of the US and placing our children on lower paying jobs, even the lower interest rates aren't really helping when we don't have the financial picture to obtain bank approval.  Take a look at the low credit cards, mine is 19.9%, that what it was during the good old days!  

What do you think we should cut next, food, water or electricity?

That TV education you have is great to watch, but you have no idea what it takes to raise a family on today's wages.

ZM/Colorado  11/18/2003