“Extra money throughout the year COULD have helped you pay down debts faster, but many only know SPEND SPEND SPEND.“

Yes, that extra $20 a paycheck, or let me say - $10 per week, I spent, spent, spent, to put a tiny dent into paying credit card bills. But how could that extra ten bucks a week, end up forcing me to cut a check to Uncle Sam for $946?? I only gained, rougly, an extra $520 a year. I’ve NEVER owned ANYTHING in my life.