conversation: User (SRaccount1): "My monthly income is usually around $7000. My bills are ~$3000, and I only have two debts; car and student loan. My wife and I live a very consumptous life; we eat out often and usually go to a lot of bars etc. \n\nI'm reading Next Door Millionaire, and a key concept is less consumption = more wealth. At what point do I make a change? Am I spending too much? Am I ok since I save my 20%?\n\n\nThis may seem convuluted, so I'll more than gladly answer any questions."
  Self: "You don't have a mortgage but have a car loan?!?"
  User (SRaccount1): "Should it be the opposite? Lol"
  