I've seen at least a hundred folks spend themselves poor in good times only to regret it when a slowdown came. The late Sam Walton became the richest man in America in 1985. He built his empire by keeping his belt tight. Wal-Mart operated on only half the expenses consumed by other retail giants at the time. Keep your belt tight in good times.
Frugality is a great source of income.
P.O. Box 67, Amarillo, Texas 79105.