I see some of you are talking about going to school, becoming this and that, bla bla. What are you gonna do once your job makes you believe you're secure and you start using that plastic? Thinking that you're gonna pay it all of because of your job? Then other bills come. Then your boss lets you know they're downsizing. You gotta always have a back up plan, no matter what. That's why, when you guys downsize, I make more money at the stocks I plan on getting where I want by working hard while I'm still a teen. Im 19 right now, BTW. So, I got a couple of stocks right now and I'm loving it because everything is cheap and the price will eventually go up. My other jobs, Im taking about $50 from every paycheck and throwing it in the savings account. By about 30, I'll have a nice chunk that will just earn money from interest on top of interest. Retirement will be great though.