Could not agree more . I wish my wife and I had figured out budgeting in our 20 s instead of waiting until our 40 s . We wasted so much money that could be benefitting us now . It is a good feeling to live debt free . We only have our house payment and budget the rest to various categories depending on our needswants . <| sep |> That ' s beautiful man <| sep |> While I think Why can ' t we just go to another site strongly considering this today after everythingIt is very amusing to know we ' re using this site more actively and frankly , better than the current userbase and the people running it hate us so much . Wastes of life , all of them . <| sep |> I am really sorry . <| sep |> I tried this with my fluffy white dog , but he doesn ' t have enough face skin .