Your frugality and dedication to eliminating debt is admirable. And it is true that many younger people (and older people too!) prefer spending over saving & re

Your frugality and dedication to eliminating debt is admirable. And it is true that many younger people (and older people too!) prefer spending over saving & reducing debt. However... if you were making $100k 4 years after graduating college, you were doing better than probably 97% of people who started college at the same time as you (I don't say graduate, because many didn't). Maybe 99%.