Read this today: Is effort a myth?
I really like the list at the end - 2 hours a day: get some exercise, read, learn. Few other things but all pretty small investments in yourself and the people around you. The effect of doing things like that are like compound interest. You might only save a few dollars each week, but over time it adds up.
Instead of reading blogs about how the economy is going to collapse, instead of listening to CNN yammer on and on about the DOW going up and then down and then down some more, instead of listening to the idiot politicians and 'business leaders' and their grand ideas - go get some exercise. Talk to your spouse. Learn Silverlight. Do something else.