When you were a kid, did you ever just sit down and think about what your life would be like after you got married, had kids and a house? Did you plan on a large family or small? Envision a little house or live in a large house and an expensive car. A private jet or Yacht?

Did you envision who you would marry? The house you would live in? Would you live in the mountains? Join a golf or country club? Own a private jet or yacht? Would you drive a very expensive car? Ever thought where your children would go to college?

So we finished school, got a job and a career, married, had kids. Then either divorced or stayed married. Now that we have our lifestyle we know that our career has to be a priority. Kids go to a certain school. Made some great friends with the neighbors. Spent time in the Boy Scouts or Girl Scouts. Kids play sports. We see parents taking their kids to practice after work. See them at the games on the weekend. Maybe you have moved into a larger house. Also bought a summer home.

We have the things now. Also the headaches. Their is always projects to do on the house. Either enlarging, fixing or updating. Kids want stuff. Every year the kids and their stuff get bigger and more expensive.

Our expenses keep going up. Most recent is the cost of gas. More people who want new cars are leasing not buying. Others are sworn to drive their car until it breaks. Taxes are always increasing, food, cloths. The list seems to be endless.

The other side of the coin is that the weekly or biweekly paychecks don't increase as your expenses. Budgets are always tight. The influx of money is constant while expenses increased. People know whats in their paychecks because its the same everytime.

The mortgage and housing market is going crazy. People thought they could afford a bigger house and only pay the adjustable interest rate. Those affordable mortgages are not so affordable now that the rates are going up. With more adjustable mortgages coming due. The rate of foreclosures are increasing.

We are limited by our thinking, more importantly by our pocket book. The services that bill us, who want our money, don't care about our budget restraints. These companies provide their service and want to be paid on time.

As I look around and observe. Seems like people are caught in this vortex. Almost a black hole. They know they are being pulled in. They observe that. Unable to sidestep the fact and then be over burdened by their financial obligations.

Some people are like a deer on the road. They see the headlights and knowing what's ahead they don't move out of the way?

What happened to those dreams of childhood. Did someone tell you that "It is time for you to grow up?", "Be responsible?", "To get real?"

Did they end your dreams of what can be possible? I asked some friends of mine who were told to grow up. They responded that someone, in their family or a close friend, told them that they now have obligations and stop dreaming. I call them dream stealers.

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