Pay off all debt and stay out of debt. Buy with cash a two year old auto about every 10 years. Live modestly and save, save, save. Learn about financial responsibility and practice what you learn. Diversify your savings. Do not loan money to anyone, not even your kids, and never consign for anyone. Save for retirement.

Beware of thieves, scammers and dishonest members on the "Fire" classifieds. Ya there is a thief here too. Whatever!!

They're all around the CampFire and everywhere.