Quote from QQQBALL: My "theory's"? Live below your means, whatever they are. Dude, my Mom raised 2 kids with no welfare or child support from my Dad & she started from scratch when my dad beat her, flipped the TV over & walked out the door forever. Her Scottish accent was so heavy, none of my friends could understand her & she got a job & managed to survive. She did it, others can too! I still live below my means, & when my income declines I cutback, even though I'm basicalkly financially independent. Think of the hardships pf the Western pioneers and compare that to the challenges of today. Can't afford to support yourself? Then don't have children. Can't afford a car, then ride the bus. Can't afford the rent, double-upQ Can't afford a big house, then buy a small one like the 800 SF 2Br/1Bth with 1-car garage that I grew-up in... There are 2 keys: 1) Live below you means 2) And stop fucking whining. BTW, its not my job to answer your inane questions, but seriously, most people are f-ed because of CHOICES they have made. The sick, lame & crazy get a pass. I was commenting on your age as I think there was something regarding driving.... I had been driving for like a decade & a half before you were even born... At 24 yo, most people don't even know what they don't know.