No its not a scam, lol. I was reading this interesting article that says that at the age of thirty, if you save $448 per month in 35 years, you will have one million dollars. Now my question is...how the heck can I save that much money? Its hard for me to even save $100 if that! But the article tells you many ways to cut some of the stuff that we do not need. Its a great read and very helpful.