Of course, it doesn't matter how much money you make if you are hell-bent on spending every last penny without paying yourself first. Even more detrimental is spending money you don't truly have in the bank.
I can't tell you how many stories we've heard about people getting 'rich people' jobs, getting an inheritance, or even winning the freaking lottery who end up practically broke because of poor personal money management.
Being prepared before walking into a car dealership, or before making any major purchases for that matter, not only helps you before you commit to a major expense, but it also helps the professional serve you better.
Also, it makes a difference WHERE you plan to retire when it comes to making sure you'll have enough to retire comfortably. Author Jake Arky gives information on all of the U.S. States in his story, which is fascinating to see. But of course, we wanted to zero in on Texas.