umm, this is great advice for the upper income and middle income classes, but for those without so many choices and disposable income, it seems like a lot of this stuff is not going to cut it. After all, a janitor is not likely to have Casper as a sponsor or a restaurant manager the luxury of parking far from work to take a walk. Of course, working in the public sector probably helps your father quite a bit as he has good benefits and healthcare. I really feel like you are writing to a certain “class” of people and the rest…well…its their own fault they don’t have the luxury of your choices, Iguess

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