Let's face it ... Joe Paterno is a classy guy. The head football coach at Penn State has been at the same school since the Beatles topped the charts, graduated players, been good to the community and ... oh yeah, become a coaching legend in the process.

But JP was never up-front about his salary. Well, now the truth can be told. Joe makes big money by his own admission ... a whopping $500,000.

Sure, five hundred thousand is a lot of dough. But next to Oklahoma's Bob Stoops at $3 million or Nick Saban pulling down four megs at Alabama, it's chump change, see? You don't have to be the highest-paid honcho to have enough.

Odds are, since you live better than 90% of the people in this crazy world, whatever money you make is plenty. If you make X, then live on X-1 and you'll be all right.

You can build up piles of cash even when you don't make as much as the joe or jill next door. What good is a six-figure salary if you spend like you make seven figures? Live on less than you make. Need help with it? No problem, baby. I got all the answers you need right here.