Being in the same age bracket I probably make pretty close to the same as you. I also work between 40 and 70 hours a week. Anything can be invested. i put away 10-20 dollars a week. ITs not much, but its something. I own a truck, a house and a boat and I make less than 35k a year. But I had to sacrifice. This is my reallity. It is tuff to make ends meet sometimes. I had to take a second weekend job as a waiter to afford my house. At that time i was working 90 to 100 hours per week. But I was investing my money into a house, so I did not care.