All of the luxury and action, whether it be Palm Springs proper, La Quinta, PGA West, etc, was on the other (south) side of the 10.

These investors who have a lot of properties, large bank accounts, and can live a life of luxury did not get there without pitfalls.

There have, and still is, a lot of luxury apartments and development of old mall stripe being built.

If you recently cut out hiring gardeners I suspect there are many more "luxuries" you still enjoy.

That would give us enough to live to 90 years old in luxury.  

Have to look good driving to the pay day loan store. yeah, people in mass generally make AWFUL financial decisions, even in the face of good advice. so if you find out what most people are doing and do the opposite, you'll probably end up in really good shape ;) paying interest on a high depreciation luxury is worse than buying a house in market mania and speculating that it will appreciate to no end. the house MIGHT appreciate, but the car is DEFINITELY going to be worth nothing in 8 years. buying a car should be an effort in minimizing the damage for the necessity of driving.

We have the luxury of getting together and discussing in person but but for those here the discussion may be helpful.

I personally don't care much for luxury items so I live a modest life style.  

Incompetence and powerlessness for real change in Sacramento, with no real hope for proper urban planning for all Californians beyond vacant luxury apartments, McMansions in the desert and gridlock traffic spanning all the way to Las Vegas. 

Take a year and 1- listen to a BP Show per day, 2-cut your living expenses as much as you can believe it or not you can find $1,500/month by reducing rent & car & cutting luxury expanses and in a year you will have $18,000 - this will suck but it’s an investment!!