It can be difficult to spare a few dollars on your future when there is so much going on around you presently. Friends inviting you out involves spending, and so does being tempted by all the nice things at your favorite retail spot. Let's not get started on how much we spend per week on eating out, and grabbing drinks at happy hour with our favorite girlfriends. While I do believe in enjoying my youth and having fun every once in a while, there comes a time where we must be