Feel like a lemming lately? Ready to follow the crowd into the great plunge of Ultimate American Consumerism? Just in case you need a little help, here is a tongue-in-cheek look at how to continue the process of becoming the Ultimate American Consumer!1. Always spend right at the level of your after-tax earnings. Having surplus dollars is troublesome. It’s difficult to know exactly what to do with them.2. Forget having 3, 6, or even 12 months of basic living expenses tucked into a liquid account.