Cash money.

You know, the less money that you have, the harder it is to catch up. Duh.

My point, beyond such a deeply obvious statement is the observation of all the fine print on the bills I have been going through. On several bills (Allstate, Home Insurance, and others) there is crap like "There is no penalty for paying in full, but if you choose to pay the minimum there will be a $5.00 installment fee." What the hell? I have been noticing it more and more, being Nickeled and Dimed. According to the 2000 Census, the median age in the US is age 35.3, much too young to have a significant savings. And the median household income is $42,000. It seems that is a little low, doesn't it. It seems to me that there are a whole bunch of people out there frustrated with economic factors of our society.