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Save Money, Ignore the Joneses

My wife and I currently work and live in Boca Raton, Florida. It is an incredibly nice area; palm trees line many of the city roads, and there is certainly no shortage of pools, fountains, and lakes. The ocean is also just a short distance away if you enjoy the sunny beaches and surf.

We certainly enjoy the beauty of the area, but the “Joneses” are everywhere. Here are the types of cars we see when we travel into work in the morning: Mercedes, BMW, Land Rover, Infinity, Jaguar, Cadillac, Audi, Bentley, Ferrari, Lamborghini, and probably many more that I just can’t think of at the moment. Guess what we drive….. a Jeep Liberty.

Now actually, the Jeep Liberty is one of the nicest vehicles that either of us have ever owned, and we paid cash for it, but when we are constantly reminded of all the luxury that we’re missing out on, it somehow doesn’t seem as special.

There are some incredibly wealthy people that live in our area, but I’m willing to bet that there is a much larger percentage of people that are faking it. They’re out on the road with their new Cadillac CTS-V Coupe (that’s the new one that gets me drooling every time), and they still owe the bank $70,000, but to us, they look rich and we wish we were them. But, to be honest, if they owe $70,000 on a car, I’m really glad I’m not them. I’ll stick with my 2002 Jeep Liberty. If I ever get into financial trouble, at least I know I can sleep in my Jeep because the bank doesn’t own it and therefore can’t tow it away.

You may have neighbors that just bought a shiny new boat, or maybe it was that new diesel truck that can pull a freight ship, but you have to remember that they most likely have just signed a piece of paper that forces them to pay $800 a month for 6 years in order to own it. You know that’s not the way you want to live. Visit other financial websites regularly to remind yourself that you are on the right track (I’ve got a great list going on my ‘Related Websites’ page). It’s time to get out of debt and invest in your future!

Money Save Money


My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.


  1. I’m with you! It’s hard to resist when seeing all the high priced toys here in SoCal, but I relish the fact that my ’96 Jetta is long paid off and I’m banking the money that would have gone into a monthly car payment.

  2. Great post! I know what are you talking about. I lived in Boca a few years ago, now I live in North Palm Beach. I own a insurance agency and it is sad when I look at customers that buy new cars but cant afford a $80 a month insurance payments. Most people think what they want NOW without thinking what is going to happens tomorrow. Nice blog…keep it up!!!

  3. Thank you for the comments cman and Marcos! It’s good to know that there are guys like me out there. If we stay on course with our finances, soon we will pay cash for nice cars and our friends will be dumbfounded, asking how we did it!

  4. Somehow I have never wanted anything more than what I have……

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