Have you ever considered just buying into the company you work for? I admit not every working situation fits this scenario but many do. For one if you work for a company that does $10 million or less in revenue that is locally owned; you might be able to buy into this company. You may be surprised how little, in regards to cash, it may take to buy a share of the company you work for. Too many companies are carrying massive debt and would welcome a cash infusion not to mention a loyal employee who is willing to go the extra mile, and if putting up your own cash does not get you to go the extra mile then you are not the right fit anyway. The point I am trying to make is from day one you should be saving money and positioning yourself to one day buy into the company you work for assuming it is a locally owned business that you believe in.