Is your financial behavior and empty bank account making you feel like you are headed for the poor house... maybe even making life miserable?

Does it seem like you’ve tried and tried to control your spending and save some money, and yet, despite your best intentions?
Ideally a young working adult should be able to comfortably save about 10% of his or her income. The individual should then be disciplined enough to save this amount without touching or tapping into it for unnecessary and frivolous expenditure.