I confess, saint here. No debt except mortgage; cars, truck and tractor are paid off, don't carry over CC balances (when we do use it), pay cash for most small things, write checks for larger purchases, don't use the debit card except in an ATM to get cash. Wife will absolutely refuse to use CC in a restaurant or gas station. Pension and SS payments are direct deposited (they have to be, as I understand). Have yet to have to tap our annuities or 401k accounts.
We were talking about this just tonight, comparing ourselves to some people we know. We worked at a good company and stayed with it for 40+ years, lived within our means and saved on a consistant and regular basis, increasing it as salaries got better. We were able to retire a little early and are doing fine doing what we we want to do. In contrast these others either don't work and sponge off of family or hop from job to job, not staying with anything for very long. Of course they will have little to no retirement and will be woking some menial job until they physically can't anymore. I don't feel too sorry for them since they made their choices and will have to live with them.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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