http://cptv.vo.llnwd.net/o2/ypmwebcontent/mcnicolpants/fms20110215kreitler.mp3
Bob's simple saving rules.
1. Every month pay off the balance on your credit cards.
2. By age 30 save 15% of your income.
3. Pay yourself first (save before you spend)
4. When your portfolio is twice the size of your salary, become knowledgeable about investing and pay attention to your portfolio (gain in portfolio should be equal to or greater than what you are saving.)