The biggest threat to your savings account ^[2] isn’t Wall Street. It isn’t your bank. It isn’t your utility bills. It isn’t debt, credit cards ^[3], gasoline prices, your stockbroker, your employer, your spouse, your kids, your bombed out car, your credit report, buying Christmas presents, cable television, health care, your car insurance ^[4], or even a lack of a budget.

^[5] The biggest threat to your savings account isn’t your student loans, your fat mortgage ^[6], your friends ^[7], jury duty, your tax rate, your IRA contributions, going to the movies at the theater, failing to buy in bulk, overlooking a hot ETF, too many books, not enough books,or going out for a few drinks this past weekend. It isn’t buying a new car, drinking sodas, a lack of an inheritance, stopping off at convenience stores, season tickets, late payment charges, your shoe collection, gambling, your cell phone ^[8] plan, bottled water, a lack of insulation, a home equity loan, or your affinity credit card.

It isn’t your credit score ^[9], your asset allocation, old medical bills, vacation expenses, declaring bankruptcy, or a lack of coupon clipping. The biggest threat to your savings account ^[2] isn’t your past due dental ^[10] bills, a daily latte, interest charges, your large home, too many clothes, chasing returns, or the size of your paycheck.

It isn’t buying lottery tickets, beer, cigarettes, pesky debt collectors, shopping at the mall, birthday gifts ^[11], a lack of a Christmas Club, your marriage, food prices, summer camp, your property tax, your mother-in-law, or your pet costs.