If we went back to a time where we valued the family life over things, that would be a huge start. We live in a time where we want (not need) way too many material things. WTF! Why do we need multiple TVs? And they are Giant TVs.! With one TV, we would agree to watch what we all or most wanted, or what our parents felt was best. We would play baseball outside, and board games inside when the weather was bad. We had one bathroom (and we would pound on the door, and say Hurry Up, I gotta go) if it was occupied. We were taught to be courteous of others. But today we are taught that every home is 'dated" by TV shows that are paid to sell products for big box stores, and "needs" to be updated (and will get dated again in 10-15 years). If we give up that superficial crap and have the wife stay home with the kids, the families can save money. They would only need one car. I know a young couple who is a perfect example of this. They do not own a TV, they have one used car, she stays home to raise their 3 kids, and when they sold their home, it was paid for. It can be done, but our spending habits and lifestyles seriously need to be revamped.