[caseysoftware]

It is never too late to start stocking up.

Yes, the sooner you make the changes, the better off you will be. Just like getting healthier.

A huge part of it is mindset. If you are striving to build 24 months of savings, you'll have to think about income and expenses and figure out which ones matter, which ones can go away, and how to improve them in general. There may not be a single silver bullet but there can be a lot of little things that will help in the long run.

[jazzyk]

A lot of people pay way too much for cable, like $150/ month... Cut the wire, go OTA, if you must (free), and Netflix ($10/month)

[seanp2k2]

I really wonder how many people on HN seriously pay for cable. For me and many of my friends, we just have Internet and watch whatever we want whenever we want. I wouldn't watch cable if it was free. I wouldn't watch it for an hour a night if they paid me $100 a month to do so. The idea of paying $50+++ per month for what I consider to be an absolute waste of my time is crazy to me.

[gorkemyurt]

you don't like sports?

[a_t48]

MLB.TV isn't bad for baseball (might have to swing a VPN to get it to work for you, depending on if you live near your favorite team). Football is still overpriced as hell, though.