I didn’t have student loans because state schools are cheap. I pay like $75 out of pocket for my health insurance per month and most of that is my HSA contribut

I didn’t have student loans because state schools are cheap. I pay like $75 out of pocket for my health insurance per month and most of that is my HSA contribution. For what it’s worth I can’t afford a Tesla either making $200k now and live in a 450sqft studio.