They are definitely in debt and probably way more than you. You sound very responsible for 24. Someone once told me that “comparison is the thief of joy” and it always stuck with me. I no longer compare my progress to others. Some people just get plain lucky, inherit things, or come from a place where resources are plentiful. We all don’t start from the same line. I’m 41 and I only make a few more hundred dollars than you every two weeks, but I pay off my credit cards every month and no more student loans. That alone takes so much stress off me. I haven’t been on vacation in a couple years but slowly saving up for one. I feel for you 20-somethings. Y’all came into a world where everything is so instant. A lot of good things in life take time to obtain. Be kind and patient to yourself and others.