This is an interesting item here. We see fiscal irresponsibility everywhere we look these days. Consumer debt is massive, the federal debt is massive. Banks can't keep the bottom line in the black and I am left scratching my head. So what is my story? Well it really boils down to one thing, individual responsibility. I am now 49 years old and since I was a teenager I have known one thing to be true. It is foolish and irresponsible to spend more than you have. As time has gone on I have also recognized that it is equally foolish to not have at least enough savings to be able to deal with emergency situations. So what is the compromise? As simple matter, I did not expect I should have things I could not afford. I did not expect that anyone should give me anything at all. I balanced my books constantly and always knew that true path was humble and without some of the things the Jones' had. The Jones' also usually had one thing I didn't, DEBT! Now, I own two cars, a house, a Harley Davidson motorcycle and everything in my house. I have no credit card debt, no mortgage, no vehicle payments and I have a positive balance in all of my accounts. As a person of very modest means, these things came as a result of discipline and planning and never expecting to have things I have not earned. Not an easy road, but one that is paved with confidence and peace of mind.