 Clean out your emergency fund and step on your lifestyle with a muddy boot. Live like no one else so that later you can live like no one else. No discipline seems pleasant at the time, but it yields a harvest of righteousness. In two years, you could have your life back. Right. Think of it. Take money aside because it tends to light a fire. Think of getting your kid out the door. You have 15 minutes to get him out into the car so you don't get to church on time.