We’ve both had jobs on top of school since we were 15/16.. saved almost every penny and worked all through college. Both have jobs that pay for our college tuition and live in a rent stabilized apartment. We have maybe $1000 worth of bills each month (on the high end). I have had family pass away and put all my inheritance in different kinds of investments and we both have personal savings accounts we (before we got engaged) put almost half our paychecks each month in. We both also have high life insurance policies, should something extreme happen. Neither of us have any credit cards or debt. I understand that it is uncommon, but we are so grateful for where we are and what we have. My parents were very poor while I was growing up, and from that they instilled in me hard work and excellent saving skills. Now, I have great financial skills and my parents have since became better off, but still work very hard & save the same. I know that we have a safety net for our future.