Everyone needs to save! Financial problems or issues do not discriminate. Minorities, single parents, females and the less educated save the least. Now, envision if you're situation is the four headed monster; a single, minority, female that's not as educated. Life can be very hard for a person in this situation. Please do what is necessary to improve your life. Choose substance over style. Style changes, however substance remains. Substantive materials or substantive individuals have a longer shelf life and perhaps it may improve your life situation.