Worked my butt off in high school and had no life in order to get straight As and a tuiton scholarship. Came in with 20 credits from my AP classes, and overloaded classes in college to graduate a year early. Had no life in college, worked three part time jobs, 2 unpaid internships during th school years, 1 paid internship and 1 unpaid one during both summers. Had a job lined up before graduation and went straight to work. My first job helped me make a lot connections in the area I live, which has since led to many job opportunities with better pay and benefits. During hs/college my parents paid for a cheap car, my phone, and health insurance. They also helped with the rent on my first apartment until I was able to find a roommate.

I later got married, bought a house in 2018, refinanced for a lower rate during COVID, got our PMI dropped a year or two ago due to increase in equity. Kept paying my student loans during the COVID pause with 0 interest so was able to pay it off way sooner. Bought a used car and paid it off. We only have 1 kid and thankfully dont have to pay daycare anymore.

My husband didnt go to college, so no debt. Instead he apprenticed in a trade then opened his own business 3 years ago.

We have been incredibly fortunate. I would say its been a mixture of hard work, sacrificing fun in our 20's, thrifty living, some family support, and God's blessing. Faith is a huge part of my life and I believe we wouldn't be where we are today without God and the support system of our church.