Maybe if you bought an affordable house or rented, and cut out the entertaining your friends, then you'd feel rich. I'd love to make even $60,000 right now. As a single young woman w/ no children, and only student loan debt, rent, cell phone, groceries and transportation, I could easily live nicely, pay off my debt and save on $60,000. The key is to live below your means until you can at least build up a nice cushion.

Buying caviar and expensive cuts of meat and crudite for your dinner parties and taking expensive vacations is counterintuitive to what you should be doing. Remember that to whom much is given, much is expected. If you don't know what to do with your wealth, then I'd love to have it so I can show you how it's done.

And before you and the other peanuts tell me that I need to work hard, I already do. I work full time in my office. I'm not a manager yet, but I'm not at the complete bottom. Since the raises I got don't completely leave me enough to be responsible and play, I'm more responsible with what I do have and I only use so-called disposable income every now and then.