Kiss the pig. Kiss it and kiss it good. No one saves money, not just American's but the world. Everyone has fallen victim to credit. Credit is bad, well it's terrible actually. Sure it lets you in their club and allows you simple modern pleasures. Nice car, wardrobe, house, vacation time share in the Bahamas. It can go on and on. But if you are a rational human being like I know you are, you do. Those of you who save know what I'm talking about. Plenty of loot tucked away in a safe location for the proverbial rainy day fund. So save as much as you can and whatever you can.