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save considerably more, and break with familiar spending habits. Goerz attributes her transformation to lessons learned from other crises she survived: getting laid off in 2001 amid the dot com bust, a recent family death, getting robbed while traveling alone in India seven years ago. See how to profit from your passion. Still, she's not sure how long she can live on a reduced income. Her health insurance premium recently quadrupled, to almost $400 per month, after a government subsidy expired. She lives with three roommates, which keeps her rent at an affordable $871 per month. But she craves her own place, which would obviously cost more. "I have this niggling fear that I'm screwed," she says. "Will I ever be able to buy a home or a car? That's my biggest motivation to succeed financially: to get my own place."Goerz fosters an outside hope that the debut of her documentary might lead to paying work in the film industry and a fulfilling new career. But she also knows that she may end up back in corporate America, sacrificing some of her freedom for comfort and stability. So she's also looking for jobs in her old field, hoping to find a perfect fit. Even if her income goes back up, however, she hopes that her new lifestyle sticks. "I'd want to save money like crazy," she says. "I'd like to experiment with keeping my frugal ways." Today, that sounds like a novel idea. Tomorrow, it might be mainstream.The foundation of wealth is the elemination of debt. In a "right to work" enviroment, with sprialing debt obligations it is foolish to promise to pay for services with capital one can not garatee recieving in the future. Save, save save. One does not need an avarage american home. I admit the automobile is the curse of the age, and it is very hard to escape the monthly debts it enforces on the consumer. I requrie transportation of 60 miles just transit to and from work. Still my housing is free, and my water bill is one penny a gallon, food is now at 80 dollors per month. Needs are few. We are a foolish nation who has spent tomarrow to finance today. Neighter a borrower or lender be, we once said. When did we forget this?How to Launch a Web BusinessIn deciding what product or