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I believe that too many of you out there are still caught up in keeping up with the Joneses and it is killing this country. I do believe that it is alright to want to better your life, but in this case you can't skip past the middle man (earning what you have). That can be dangerous to your financial health. Also.....I do love looking on the bright side of things Everybody needs to stop and smell the roses (look at the bright side), but before you can do that you have got to wake up and smell the coffee. In other words people reality is the key!!