[Flumper Barflusterbutt]

Do you have any specific goals for your life? live happy, raise good kids, retire young hopefully.

There's your problem. Those are not specific goals. You are young, you need very specific goals. Get on your computer at home and list every cash asset you have (bank accounts, stocks, IRA's, cd's, etc.) Set a goal each year for what you want your net worth to be. Track it.

Set a goal of when you want your net worth to be $1 million, say 45 years old. Put yourself on a path now to get there.