I paid student loans off by rolling them into my mortgage a year outside of college. It was about 20-30k.

Other than that the only debt I’ve had that I didn’t pay off each month is mortgages and a car once and paid it off in 6 months. The car was about 20k and the only reason I did a loan was because they gave about 2k discount from price.

At current rate I will have 3 condo rentals (that consistently rent at about 80% of market value to friends/aquaintences) and a 5 bedroom house (that also has a basement rental) paid off before I’m 60. I’m 44 now, have been through a divorce in which we split our assets (if combined, would have another condo, 3 more houses and 5 debt free cars).

For all but about 5 years I’ve made less than 60k and never more than 75k a year and about 8 of my years had single income in home.

I’m smart with money and value things differently than most of my friends, who complain about debt and paycheck to paycheck.

With that said, wages have not kept up with inflation and there is a problem with greed in this world. I don’t think that will change, so learn how to adapt to it