My life mantra:a drop turns into a puddle, a puddle to a pond, a pond to a lake and a lake to an ocean! Make every dollar work for you...Citibank 2% cash back cc. Charge everything and pay bill in full every month. Over 6 yrs we have earned over $7000 in cash back points. Pay as many bills as possible with the cc. We’re very frugal...shop at 2nd hand stores, order ice water when we eat out, etc...it’s the little things that add up. We’re super savers putting away over 30% of our earned income. With extra money in our savings account we buy mobile homes and work with people with bad credit. They are so thankful to be given an opportunity to work towards owning their own home. Everyone pays on time...if they default, we simply resell the unit. We put as much money as we can in our health savings accounts. This can be used during retirement to pay our Medicare premiums with tax free dollars. It’s a mind set...listen to Clark Howard and Dave Ramsey, financial gurus, learn good things and put into practice!!