Reply #23: we live below our means.

[DesertFlower]

we also pay cash for our cars and drive them for a long time. when we do sell them, we sell them privately. the dealers make out on that too. they wanted to give me $1,000 for my last car. i told them where to go. it cost me $10 to advertise on the internet. i sold it for $4,500 to the second person who called.

financial experts say if you want to be able to live decent in retirement, you have to live under your means while your working.

there are so many "little" things you can do to save money. we don't go out to dinner. we do a late lunch (3:00--3:30). the prices are 1/2 of what they are after that. and the bonus is -- no long lines waiting to eat.