Do Financial Experts Really Understand the Typical American Family?

So it seems that a lot of TV programming these days consists of Financial Experts telling me where I should invest my money. They direct me to consider mutual funds, e-trading and real estate investments.

Are you kidding me? Real estate? Do they know that me and a friend of mine participate in a contest called "How Low Can You Get Your Checking Account Balance Without Going Under"? Last month, I won with a balance of seventeen cents before my next paycheck came in. Getting such a low balance is an art form of which I am proud.

For most of us, disposable income is rare these days. My money is going in my gas tank or to buy green peppers which are priced at $1.50...each!

I do practice frugality and follow money-saving tips (the practical ones) to the tee but I'm interested in new ideas on saving money. I'm tired of winning the afore-mentioned contest on a regular basis and disappointing the Financial Experts by not investing in foreclosed homes or using their software to trade stocks.

Hey, I just checked my checking account balance...$21.00 left and only four days until payday. I may just lose the contest this month!