I am the webmaster of a financial freedom and personal finance website. The URL is: http://www.financialfreedomtrail.com I am trying to craft a theme phrase that will be memorable and paint a mental picture so people will easily remember to be financially responsible. The main theme is: "You must spend less than you earn." The problem is that it's boring, and people have trouble living by this essential principle. So far I only have: "Not managing your money wisely is like forgetting to check you fly when you come out of the men's room" As you can see, I need something better. Maybe something like, "Spending more than you earn is like........." Please help me finish the sentence. Thanks