I have just read Dave Ramsey's book to financial peace and am well on my way to financial security. Three to six months of expenses in savings and no credit card debt is the only way to go. This all can be avoided by living within your means. I have been living beyond my means since I left home and it's time to stop that. Its too bad these people and thousands of others didnt either until it was too late.

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1984 300SD Orient Red/ Palomino
1989 560SEC
2016 Mazda 6 6 speed manual
1995 Ford F-150 reg cab 4.9 5speed manual