Instead of blowing your money on "fun", rent, new car, utillities, etc, why not save invest it, assemble 1/4-1/2 million, and go someplace where that amount of $ lets you kick back and forget about the rat race? Why keep bannging your head on a wall, feeding the worthless and empowering the wannabe Hitlers, and watching your savings and home become more and more worthless each day? In the Phillipines, 5k a year lets you live like you would on 50k a year here (gross, 35k clear) 1/4 mill is 50 years x 5k a year, guys. Learn how to average a real 10%, and you can live well with a mere 100k invested. Income Tax in Phiili is 3% per year, not 50% like it is in the US, when you include the state taxes, sales taxes, SS 15% rate, etc. The life in the US, for 90% of you, is a trap set up to take your life and your money. Work for 50 years and draw a whoopee 15k a year! After the $100 bill is toilet paper! In 1970, an hr's pay, clear, of minimum wage, after tax, was $1.25. Gas was 40x a gallon. Today, to buy 3 gallons of gas, minimum wage would have to be $15 an hour, to clear the $11 you''d need to buy 3 gallons and it is getting worse every day! Get out, ASAP, or suffer the consequences. There's a way (that nearly anyone can utilize) to have 1/4 million $ worth of credit, in about 2 years of "building". It's a great way to "self insure" against medical disasters, legal problems, etc, too. That hunk of cash can be kept ready to go, for less than 3k a year of maintenance costs, and about 3k will set it up in the first place. 3k is just $125 a month, spread over 2 years. That is not much, really, to have that sort of a "bailout" amount ready at all times.