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Star to build wealth as soon as you can. Doesn't matter how slow but start. Looking at the fiscal problem we are in;realise that its like a credit card i which we have not eve been paying payign minum payments and borrowig the mney to do so with interest. Its just builds more debt.Kid of a robbig peter to pay apul thing. At soe point we are either facig a fiscal cliff situation or a steep slope that last a long time.Look aroud and see people's sitaution now and just think we have started any payments really which is why they call it kickigthe can down the road. I future those who are self reliant have a huge advantage.