The other day I was asked a question of what would encourage a person to save. And I fluffed the answer entirely. I went home and I thought about it. And then it came to me. A crisis, that is what will cause most of us to save. Life has the ability to smack us now and then but the smacks come with different degrees of pain. First it will smack us and we'll just shrug it off, and move on. Then life smacks us again, only this time we see stars. But still we just wipe the tears and move on. Then life smacks us so hard that we stumble, fall, crumble and pass out. And then when you wake up, everything you've ever worked for has disappeared, and you have nothing left. And you have to start from scratch, with nothing, zero, zilch, nada. This is usually the time that you also learn to appreciate and understand the value of money. Because it will be gone. Then and only then as we start recovering from that financial disaster, do we start changing our ways. And then we start sa