[texasbluebell]

So the problem is how much money you make, but how much money you spend.

Just like the old commercial said, it's not how much you make, it's how much you keep.

I learned long ago from my first financial mentor, named Humberto Cruz (whose columns can be found on the net), that the way to get ahead is to live well beneath your means. And it works.

[CIB-173RDABN]

It was the hardest lesson I ever learned, and I am happy I learned it.