@kkathyl0 thats all the more reason to simplify- think about the monthly costs that aren't necessary, but don't go bone dry. I've cut out a lot of expenses (internet, cable, etc) and just use the essentials and throw the $200 I would be spending for cable and Internet (along with other funds) into my investment plan. You do need entertainment, but redefine what that is to you. Once distractions slowed for myself and my son I couldn't believe how much spending slowed and I realized how a couple dollars here and there led to more unnecessary spending. Instead of a movie or arcade we go to the park or read a book or play a board game. Don't let the dope pushers tell you what you need, know what you need and do just that. @-jeffB let me preface with I am not an investing consultant nor will I take responsibility for any losses/gains directly or indirectly realized by any of my comments. That said, I think we are in for a slow period (buy time) with PMs. The stocks are doing well and there is trust in the system. The only thing I see on the horizon that may change that, a very small little bit, is when the white noise of Russia is squelched and people really see what is going on in North Korea and the Middle East we may see a little upturn. The only thing that could change the way things are is an unexpected catastrophic event (or/like a shift in political power in about a year and a half). But we like to see that too because it's a good opportunity to buy stocks. Both sides of the coin are shiny it just depends on which side is facing up.