Says Pohler while thumbing through Parnell's self-help book, Don't Buy Stuff You Cannot Afford, "Look honey, there's a whole section here on how to buy expensive things with money you've saved." To which Martin replies, "And where would you get this saved money?" At SmartyPig, we've got your answer.

From the drawing board to our launch last spring until now, SmartyPig has been, and always will be about helping people save money for specific goals - items that otherwise, most could not purchase out of pocket. We simply want to help people move away from the "buy now, pay later" credit card mindset that has gone a long way toward ensuring our rough economic ride. We understand that credit cards aren't solely destructive and not everyone abuses them, but in this post from a few days ago it shows how delinquency rates are on the rise. Average debt has increased, while credit card companies continue to gouge customers with up to 24% interest in some instances. There's no way around the simple fact we all need to work on our fiscal fitness, we need to depend less on plastic, and we need to "Not Buy Stuff We Cannot Afford."

Says Martin at one point during the skit, "So I buy something I want and then hope that I can pay for it, right?" Parnell replies, "No. You make sure you have the money, then you buy it." We couldn't agree more.