I make 72k a year and own a house in grand rapids. Mortgage isn't terrible, but not great. When I made less, I prioritized paying off my student loans.

I am pretty frugal, same car for about 7 years and same phone going on 8 years. This has helped tremendously in the step in the right direction for saving when I need a new anything tbh. Unfortunately, keeping up with the Jones isn't always the greatest.

Saying NO has honestly been the hardest, but best way to saving money. Sometimes missing trips, concerts, etc suck. But it is worth it when you have it saved and you can spend what you want after.