Clark has encountered two extreme groups of people during Book Tour 2005. One group is desperate because the people in it are struggling from paycheck to paycheck. The government reports show that our saving habits have dropped to the lowest level in nearly 50 years. It’s referred to by economists as “negative net savings,” which sounds a lot nicer than the situation really is. If you feel out of control with your money, it’s time to do something about it. You must discipline yourself. The other group has been saving for years and is confused about what to do with the money. It truly happens one step at a time in either direction. So, if you’re in the group that owes money and never seems to know where it goes, you MUST stop trying to “keep up” with your neighbors and family members. Be true to yourself. Secondly, you must live a cash only allowance. No more credit cards or checks. You use only cash for walking around money, and it’s got to last you until the next paycheck. If you’re in the other group, it’s frankly a good problem to have.