Check out the Seth Godin blog on saving, jack. It'll get you to shake your head and lose your lunch at the same time. We all know that joes and jills in this country have trouble saving the dough, but check out what immigrants are doing. Seth points out that some people who come to the U.S.A. and work to earn money are among the worst paid, but still find a way to save money to send home to their families.

Do I have a problem with this? You betcha! People who work and save for their families deserve all the credit in the world, baby, and I have nothing but respect for anyone who does it. But if someone who makes $5 an hour can still find a way to live small-time and support his or her family, then everyone should be able to. Quit whining about how you "need" a new car or a bigger house. You don't "need" it, you want it. Dave Ramsey would say the same thing; odds are that you make plenty of dough, so save some. Make it happen, bub.