I’ll be impressed if they actually save money. The saddest thing is so few people are capable of saving. Americans are major consumers. They are accustomed to their lifestyle. They have their credit cards, car payments, student loans, their toys, luxury items, massages and nails and golfing, etc. etc. and now that the ATM HELOC is closed, they need the mortgage payment money to stay current on everything else, and that’s if they still have a job. Besides, eating at PF Changs regularly can cut into your savings 😉
