I am 67 years old, I make about $26k a year. my wife is too... well, old.. to work. so we have to live off of my income. retire? how? we can  barely afford to eat. And bright ideas for us MSN? To assume that everybody will bring home $40k/yr. in retirement, and have "a modest nest egg of $250k" saved is asinine and irr...more

I tip for good service. It's a gratuity NOT a manditory obligation.  If the service is poor, then no, I refuse to give my hard earned money away to anyone who isn't willing to work hard for it themselves.

I take home aabout $2100/mo.... My rent alone is $1400... I have 4 kids. Wife brings home about $800 (after health insurance and credit card ganishment). So, just after rent that leaves $1500/mo. Car payment $500. (high interest rate), insurance $150... Gas for the week $100 ($400/mo. to take kids to/from school and go...more

I can't afford the gas to drive 6 miles to work. I can't afford to drive the kids to school (so they don't go unless I have enough gas to take them... there is no public transportation or school busing here.). I can't let a 6 year old and 9 year old walk the 8 miles to school. so I guess they will just go without an ed...more