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pifko
Wow...it really is, particularly like Strutt & Parker's findings - 'Our research has shown that if a couple sacrifices six luxuries for at least five years, they can put away significant savings' (my emphasis).
So...just don't go out, take lunch to work, make your own meals at home, don't go on holiday, forget the Lottery and keep your mobile for FIVE years and you should be good to 'stretch up to that all-important first rung'. Simple, eh?!