A MUST-READ! Seriously; read the whole thing! WARNING: This is radical stuff, especially here in Pinterest-UPDATE-ALL-THE-THINGS-land: "...the Joneses are really just a bunch of folks in conference rooms changing 'trends' ...to create fake monthly emergencies for us.... No, thank you. Life offers plenty of REAL emergencies to handle, thank you very much." - http://momastery.com/blog/2014/08/11/give-liberty-give-debt/#sthash.80zuS0YI.dpuf"