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<p>[QUOTE=&quot;Ltrain, post: 908638, member: 24795&quot;]Upper tier?&nbsp; Ha!</p><p><br /></p><p>I&#039;m a new member, but I am pretty much constantly broke.&nbsp; My bank account balance right now shows $528, but I have to put $300 on my CC, $130 for car insurance, and $60 for my phone.&nbsp; Plus, my car needs new tires ($400-$500) and rent is due in 2 weeks ($600 is my share), plus student loans ($250)...</p><p><br /></p><p>You get the picture.&nbsp; I am pretty much insolvent if you ignore my stock holdings, which are, admittedly, somewhat large for my age.[/QUOTE]</p><p><br /></p>

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