RICH CELENZA talks about how a lot of people may not realize it but they may be spending a lot of their money buying stupid things. Or things they don't necessarily need. They also may not realize how much time they waste shopping for those things. They also may not realize how much maintenance it takes, to take care of what they are purchasing. It may be time to stop buying stupid things and using the money to make money instead of wasting it on things you don't.