I been saving since I was 5 yrs old, yep still have the passbook somewhere too. Im 54 now , and have a 3 bedroom brick ranch on 4 ac. in farm country all paid, a $70K cabin up north , a 7 ac. parcel on a river that mom and dad gave me. Since Dec. 2008 My house is paid so I started investing in stocks. I did very poorly, going through 3 financial advisors . Now I am doing it myself and it is no problem at all. I should retire at 65 if I can stay a carpenter that long, I dont know. I guess I can just slow down to nothing like dad did.

But the fruits of the spirit is love, joy, peace, patience, kindness, goodness,faithfulness, Gentleness and self control. Against such things there is no law. Galations 5: 22&23