[Frondo]

No kidding. The big three expenses in life are home (rent or mortgage), education, and health care. Those three expenses have gone through the roof.

Fancy TV set? Eating out? Smartphone? That stuff isn't why people are poorer these days. Not even close.

[outericky]

But they are. Because those are the difference between saving money per month and not. Disposable income is where we make a choice. We save it or spend it.