20-ways-to-waste-your-money.html: Personal Finance News from Yahoo! Finance (http://finance.yahoo.com/family-home/article/107388/20-ways-to-waste-your-money.html?mod=banking-budgeting)

Items 7 and 8 do not apply unless debt-free (except for the house) and have three to six months minimum in an emergency fund.

Otherwise we should all head nod in the affirmative while reading through this list.

Personal finance is a game played on a field called reality and the only equipment we need is between our ears.