This article originally appeared in The Chicago Tribune May 10, 2009 by Gregory Karp When he was 28, J.D. Roth had a friend who offered him an exciting, once-in-a-lifetime opportunity: They would take a five-month trip together to see Thailand, India, Israel, Egypt and other far-flung places. Roth had to say no. He had spent all the money he earned since graduating college, and more. He had lots of stuff–and was $20,000 in debt. By contrast, Roth’s friend Paul lived frugally with few belongings and had significant savings. Paul had the freedom to take the trip of a lifetime. “I realized then, `Aha!’ Paul was making choices that gave him flexibility later on,” said Roth, who now blogs about his financial life at GetRichSlowly.org. “I didn’t have any flexibility. I couldn’t afford to take the time away from work. The world opens up to you if you can… Read More