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Comment by caseysoftware

Most people pay $100+/month for cable, eat out multiple times per week, have thousands of credit card debt, and an unexpected $400 bill would ravage them.

If you want to live a un-average life, you need to have un-average priorities and sacrifice. Few on HN should be living paycheck to paycheck.

Check out Dave Ramsey's Total Money Makeover for a starting model. And yes, you'll have to sacrifice now to benefit later.

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