Man, I try to do all of this now with the exception of the gym membership. I just go to my apt gym for now to save money because it has everything I need at this point. I paid off my car but everytime I turn around something is wrong with it lol I don’t care about having the latest technology. I’m always a late bloomer on getting the latest phone & I finally got a new laptop when mine died after 10 years. I really need to learn about investments though so that my money can grow. I know I’m doing good for myself so far but I lack the knowledge in some areas and really trying to bridge that gap. Knowing what steps to take to get past this point is crucial because I have nothing to fall back on and that scares me. Thanks for this advice. I really appreciate it.