I disagree with article below. Spending $2.25 a day on coffee is not frugal at all. Only ate out 37 days ago -- BFD!! $80 on a gym? She could buy a nice workout machine and also exercise outside. Used to pay $197 interest a month? That's nothing. She hasn't cashed in her 401K yet? Kiss it all goodbye. $11,930 ain't much and is soon to be worth nothing. So what does she own besides a mattress? Will she be able to carry it and keep it dry when she becomes homeless?