I enjoyed your post here but I must say that the first half of the reading was more uplifting. I think our country, government and president should think about such a lifestyle instead of always trying to push people beyond their means. Not to get political here but why does the media and gov need to focus on things like lending rates and the lack of borrowing going on in the economy in such a negative way? Why is that such a bad thing - the humbling of America through this recession has made people slow down of useless spending and the savings rate is the highest its ever been in decades. We are living within our means for the first time in a long time and to me that is a good thing.