The conservative position is, if you save up for everything, you'll never have money problems. So while you're buying health insurance, put aside the same amount against the day you lose your insurance. If you're gonna have kids, make sure you can afford them TODAY, not tomorrow; otherwise, in their eyes, you're just stupid to have kids.
Likewise, if you're gonna buy a car or truck, save up the money and pay cash. And make sure you've saved up enough for gas,oil, and tires for the entire time you intend to own that truck; otherwise, you're being one of those stupid people who are spending money they haven't made yet, because if you're not smart enough to know that tires, brakes, and clutches wear out--and you don't have that money set aside before you buy the truck--you're part of the cause for our economy going sour: you failed to plan ahead for the forseeable events of the future.
Of course, I'm one of the stupid people, too. I didn't forsee my first wife developing heart problems and dying at age 36. I didn't forsee the insurance company denying over $12,000 of her medical expenses as being above "usual and customary" charges, which meant that I was liable for paying costs over and above what the insurance paid. And I didn't have the entire costs of raising two kids set aside before I had kids, so once they were born, I was already one of those stupid people spending money I hadn't set aside.
And since I wasn't smart enough to go into the medical profession, I was one of those stupid people who thought they'd aways have a job simply because they showed up every day, learned every aspect of their job and did everything they were assigned to do, and did it well.
So, according to these "experts" who have never seen a problem in their lives, I was stupid in everything I ever did, and it's my own fault that I'm not as rich and successful as they are. I bought cars and financed them for 5 years, having no guarantee I'd have a job for 5 years. I bought a house on a 30-year mortgage, not knowing that I'd have a job for 30 years.
I was a stupid kid, because instead of spending my time after school and in the summer playing sports, I was running an afternoon newspaper route so I could buy myself a bike and Boy Scout uniform and stuff that most of the other kids' parents bought them. If I'd have been smart, I'd have played sports and worked on my cardiovascular health rather than agonizing on how to collect from the deadbeats who thought it was great sport to cheat the newspaper delivery boy out of the 45 cents a week they owed, since I had to pay for the papers whether these scumbags paid me or not.
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Today's Featured Article - Field Modifications (Sins of the Farmer) - by Staff. Picture a new Chevrolet driving down the street without it's grill, right fender and trunk lid. Imagine a crude hole made in the hood to accommodate a new taller air cleaner, the fender wells cut away to make way for larger tires, and half of a sliding glass door used to replace the windshield. Top that off with an old set of '36 Ford headlight shells bolted to the hood. Pretty unlikely for a car... but for a tractor, this is pretty normal. It seems that more often than not they a
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