Put down your mice (or is it mouses?)! Stop tapping on those keys! Stand! Revolt! It is time to say "I will not go quietly into that long night." Oh wait, that may be another issue...
But for now...the outlook is bleak...
http://articles.moneycentral.msn.com/SavingandDebt/LearnToBudget/WhyJoeSixPackCantGetAhead.aspx