Var arī uzskatīt, ka tā ir, lielā mērā, viņu pašu vaina. Nepērc McMansion, jaunākos gadžetus u.c. "vidusškiras" aksesuārus. Rent a room. If you rent an apartment, get a room mate. Turn down the thermostat. Wear layered clothes. Live close to where you work. This way you don’t need money and time to maintain a car. Walk unless you live more than two miles away. If you live more than two miles away, get a used bicycle and learn how to maintain it. Save & invest. Vidēji 15 gadu laikā iespējams iekrāt pietiekoši vecumdienām.