Before I could do any downloads, I waited until the first day of the next month when the air-card service provider reset the data-transfer counter to zero on my primary computer.

You do well to keep a transfer of that size quiet in this day and age but Villa have done it.

Now it's time to set up another automatic transfer: Move 10 percent of your remaining discretionary income out of your checking account and into a savings account the day your paycheck clears.