 not vice versa i'm going to take the 2000 and live like a 2000 and then try to cut back and save no i never let my cost of living get up to even half i lived since as a kid on half what i've earned now i live on less than probably one percent to ten percent of what i earn a year i allow myself to spend more every year because i earn more every year but i never allow it to go up in percentage wise number four pay off debt and build credit history building credit history is absolutely important paying off debt is not as important it does occur eventually