i live in central jersey and been going back and forth on this site but i have yet to commit to any of the recommendation on this site or given by others. My family & 1 definitely needs to change we look at money, spend money and everything else in between. I think it would be great if we can start something up here in jersey as you know living here is not cheap and it could end up helping a lot of people. talking about the challenges here as compared to other places would be a big help.