My high school economics teacher was a proud fiscal conservative. He talked about how he never spent money he didn’t have. Setting aside money in a savings or investment account came first in his budget. Paying for necessities like food, shelter and clothing came next. Extravagant purchases, such as luxury automobiles, required disciplined saving. Interest on debt, whether personal, business or government was to be avoided. Needless to say, I’ve followed the advice of my economics teacher to the letter and have amassed millions of dollars–Not! I have stuck to my budget and the only debt my wife and I have besides our mortgage is for three and a half…