[quote=paramount][quote=greekfire]We are a family of 4, are renters, and have no outstanding debt of any kind; be it student loans, auto loans, credit cards, or otherwise…and we are making a concerted effort to tighten our belts. [/quote]

You probably don’t have much either (material wise)…[/quote]

Wow, I’d love to see the data you have to support that correlation. greekfire could just as easily have plenty of material “wealth” (not that I’m generally advocating materialism/consumerism).