Haven't looked at this in a while. Like you I never could get ahead, turns out drugs and alcohol was doing me in. My habits were in the excess of both. No more drugs in 22 years, and last drink was 2 years ago. I'll drink at home once in a while, but not very often. My new drug of choice is sitting in my garage, impatiently waiting for me to get off my fat butt and do something about it. Onward through the fog!