I live on a small amount of money that I earn working a 40 hour work week. I don't invest it in anything {do bikes and bicycle repair equipment count as investments?** I have a stash of money for a rainy day that lately I have been using to pimp up my new surly lht. I don't live extravagantly at all. I don't use credit. I don't own any real estate. I have zero health insurance....[when does obama-care kick in???]. I live a meager life but it is rich with literature and bicycling. I do all of my own bicycle repairs and have about $1500+ in bicycle repair equipment. With the extra bicycles and spare equipment I have laying around I am ready for the coming apocalypse.....maybe I should start hoarding food and water though. I don't drink, smoke, use drugs or gamble. If I get rid of my internet connection [which I have been contemplating] that will give me an extra $62 a month for bicycle stuff. I live by myself but have a girl-friend who visits from out of town regularly. My job is easy, but I don't have any benefits, so to speak. Frankly, I am glad to have the job.