As you make more, those little expenses affect you less. Take a look at Apple Computers big-shot Steve Jobs, jack. Last year he drew a salary of $1. But with his stock options, savings and all that other jazz, the Apple Computer mac daddy is good for a cool 5.7 billion. He has to work and he has to save, but since he does plenty of both, he doesn't sweat it when the car engine blows out.

So before you go sweating your skin off over stuff like car breakdowns, prescription drugs or downsizing, remember that it doesn't have to be that way, baby. The sooner you learn how to save money, the quicker you turn a cash crisis into a cash inconvenience.

The sooner you learn how to make a budget, the sooner you can start your Baby Steps. And the sooner you can save your baby emergency fund, then get out of debt, then polish off the rainy day fund and start to invest smart. Now, excuse me while I go listen to The Dave Ramsey Show.