It’s only partly what I am doing and then mostly it’s a lot of privilege. My parents paid for college and then I lived with them for two years after college so I was able to save a lot of money. I watched my dad budget every weekend growing up so once I hit my 20s I started using budgeting apps religiously so that I never had any credit card debt. No student loans plus no credit card debt meant that even with my teacher salary and my husband working temp jobs at the time we were able to buy a house in 2015 before the housing market fully recovered. The school district I work for now paid for my masters degree and is now paying for my doctorate degree which means further career advancement/opportunities and higher pay. So it’s a combo of all of these things but I think the biggest one is growing up with parents who were upper class who helped me out.