"Where did all my money go?" It’s a universal question, and if you’re like most people, it’s one you ask with more than a touch of frustration. You don’t spend extravagantly. You pay the bills, buy groceries and provide school supplies and clothes for your kids. Sure, maybe you go out to eat on Saturdays and take a once-a-year vacation—after all, you deserve some pleasure in life—but it’s hard to believe these small luxuries account for your stagnant savings or, worse, that credit card debt that’s slowly inching upward.