[roastbeef]

op, save/invest 15% of your income. pay off your debts starting with the debts taking the highest interest. eliminate any small debts as soon as you can and focus on major debts. don't buy a car until you buy a house.

i'm no financial expert, but i'm 28, three properties in socal (two rentals) an m3, and a professional grade rock crawler (100% toy) in the garage. all it takes is self discipline and hard work. good luck.