If you want out of the rat race, you’ve first gotta understand the race you’re in. The rat race starts sometime after you are done with college. You get your first job which pays decently enough to allow you to buy your college dreams. For some, the first dream would have been to get a 72-inch plasma TV or a 152-inch one, if you are a big dreamer. So you buy your TV. Next dream on the list might be a car. So you get yourself a functional car as you wait to buy the car of your dreams. At work, you grind harder; get a promotion and a salary raise. This means that you can now afford to move to a slightly more expensive and fancier house so you do.