Interesting article in Forbes.com regarding the best city to live in for saving money.  I guess it makes sense that there are some places that are better than others. I would think some it would have to do with the demographics of the community, obviously.  You also have to consider the kind of incentives that employers are offering their workers. To stay competitive they may be offering better pension funds, etc., and other employers are matching these types of plans.

I also think that saving money can have a very contagious affect on others.  If your peers are out spending money all of the time, you might get caught up in that spending, and vice versa.  You work around a bunch of spendthrifts and you might just become one yourself.