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I do it by defending the nation under Uncle Sams paycheck

I own 2 4th Gen F-bodies (in my sig), and I don't owe 1 penny on either of them.

I have more than $60,000 just in my Z alone. But take into consideration that was spent over the last 9 years, and I have had a lot of well paying jobs in the past.

Saving $ is everything though. Make a budget, look at where most of your expenses are going every month. Try to cut back on the needles stuff like going out for dinner all the time, or getting the latest XBOX game. Interest owed adds up as well. Personally I have a handfull of credit cards that I use to build up credit, but I always pay them off month to month (have never paid those greedy people 1 cent). Car loanes and other interest related things add up as well. Try to get stuff paid off early to maximise on spending less as a whole.

You don't have to be a cheepskate to be able to save effectively.