   neutral   That's my business, not yours.     neutral   True enough, until the time comes that you need to take my money. I don't know where you're wasting your money but I think you need to take a look at what's really important.  
    neutral   So how do you survive from pay day to pay day?     neutral   I don't just survive. I put money away as well. I know when I get paid where most of the cash will go, and I stick to my plan. If I follow a budget I don't have any nasty surprises.  
    neutral   I'm not disciplined enough I guess.     neutral   
 What did you use to be like? 
 Why is it so bad today, Fred!    sadness It doesn ’ t seem like