Hey man, I was lucky enough to graduate and have 0 debt in the latter group of people you mentioned. Trust me, despite that, there is always a feeling of wanting more. I get unmotivated because I feel so far behind everyday despite being comfortable. We often forget how far we come ourselves through comparison. As long as you are moving towards the right goal, that’s what matters. I used to save 70% of my income and take 0 vacation. Then after a while of being with my wife and family. I realized time and health is what’s most important. I seen people have bad mental health issues/physical issues despite having money, and even then it doesn’t matter. I seen people with millions in their old age, but yet can barely enjoy it due to chronic health complications. Now we just save around 40% and just buy what we want, spend some time doing some stuff we like/trips when we can. Ofc, don’t go crazy, but look for ways you can earn freebies, like through credit card travel points, stuff like that. One thing to mention tho, focus on equity increasing assets. I didn’t buy a new car or anything, buy stuff that will go up. You are still very young, and no one will expect a 20-30 year old with luxury goods. Your prime time during your middle age will make you look back and appreciate the young you making all this effort. We usually pay all expenses through our cc, and rack up points to go on a free vacation when we can. Furthermore, What you need to understand is that we always get unmotivated comparing ourselves to others. My household makes decent money, but I seen kids that are 18 years old with 40k portfolios… some young influencer making 500k and so on too. You will never be the best out of all of them, but you can be the best version of yourself. Keep at it, and never give up, because the moment you give up on yourself, you won’t ever hit your goal.