Nice theory, now apply it to someone who has been unemployed for three years,
gone through their savings and IRA, 401K. This article rely on the Steve Martin
comment about how to live on a million dollars a years "first get a million
Back in the Day when a checking account was the other way besides cash to pay
for something, it was easy to go back through the check book and see where the
money went, the debit card is a bit harder to think about keeping a register, to
keep track where I spent the money.