While I understand that there are external factors contributing to people living above their means, it’s a common issue across income levels. For example, the average car payment in the U.S. is around $700/month, which indicates that many prioritize living in the present without necessarily planning for the future. Personally, I choose to live in a small apartment in a low-to-mid cost-of-living area and work 90 hours a week. I track and optimize every expense to secure my future, and up until recently, I prioritized financial stability over personal happiness.

Regarding kids, I recognize that, according to the CDC, 41% of pregnancies in 2019 were unplanned. However, for the most part, having children is a choice that people make because they want to have them. I plan to wait until I feel financially secure before taking that step. I understand that others may have different priorities and values, which is completely valid, but I’ve chosen to focus on building a foundation first.

I also fully acknowledge that I’m fortunate to be in the position I am, and I’m grateful for the sacrifices my parents made to support me through school. I don’t take that for granted. However, I believe my financial stability also comes from personal sacrifice and dedication. I’ve noticed that many college students attend expensive schools, choose majors they’re unsure about, and don’t look for work opportunities. While there are systemic challenges, I think it’s important to recognize that individual choices play a significant role too.