What worked for me was saving and not caring what other people had. - My car was fine, I didn't need a new one every 3-5 years. I drove it for 15 years before

What worked for me was saving and not caring what other people had. - My car was fine, I didn't need a new one every 3-5 years. I drove it for 15 years before I bought another used one. - I bought the least expensive house on the most expensive street I could afford. - I never tried to compete with neighbors or colleagues (keeping up with the Jones's). - Only went out to eat on special occasions and bagged a lunch to work everyday. - Always paid special attention to my bills and costs so I was aware of my spending and could trim waste where necessary. - Consistently looked for better employment opportunities where I was able to triple my salary in about 6 years (invest in yourself, stay relevant). - Held off on starting a family until I was 32. -Invested through a 401k, etc. There was an element of luck since my wife was a great saver and low maintenance. We also had no health issues or unfortunate life events. If you live responsibly (within your means) and build that safety net, you will be fine. Try to stay out of what I call bad debt, like Credit Cards, Car loans, Lines of Credit, etc.