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If it is Tim Hodges then I take it all back. Come to think of it, what with the timing of this post being so terrible, it wouldn't surprise me.

Yes, in some cases. And in some cases, he's absolutely right. I would be willing to bet that at least one poster rounding on the OP has for example, at one time bought a brand new car on credit rather than a second hand run about, but hasn't a bean to his or her name. I'm sorry, I just don't...

You actually make a good point. There will definitely be people on this thread who have hit hard times, or genuinely never earned sufficiently good money to be able to put some away and I can understand them being upset at your assertion we should all be putting something by. But equally, in...