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					Originally Posted by Gemini Cricket
					
				 
				Oh ho!  If I see money, I spend it.  Poof, gone.  I have little discipline in that regard. 
  
			
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 Hang on....you said you are disciplined enough to use your paycheck to replace whatever you have taken out of savings.  What's the difference between that and putting the $20 in that you would have otherwise had withheld in taxes?