Great advice

Spend less than you earn" certainly does though and we all have areas we can curtail spending. Yep, me included. It's about choices.

The thing with money is that when it's available l, it tends to block our better sense of judgement...till its gone. I try to stick to the plan but am a little off it sometimes due to other responsibilities not directly involving me. I think we need to treat our financial lives as something like a do or die affair - with all sense of seriousness