I have two cars, but no car payments on both, my insurance is low as hell, and my income a year is a hefty amount, figures i have two paychecks coming in, my wife and i, but i also have other sources of income. I also dont have to save for retiremtn, becuase the navy will give me 2500 a month when i retire, which will be at 40 year of age, so after that, ill get a guaranteed 2500 a month. then if i get a small job im set, so i have a big source of income, that helps me out, but i also have to set aside money for the wife and kid, but i still have enough left over, i do my things and have my ways!! But saving, is important!!!