It's insanity how can you put your life into the hands of 1 person or company. 1 missed check and you starve. Save anything even if it's a dollar it adds up

People don't save. It is nuts.

They don't even have credit.

Way too many are addicted to 'instant gratification', and have the self-control of a three-year old. If someone cannot set aside $1000 a year (about $20 a week), then someone is living way above their means.