My advice: don't take a radical path until you control/manage your current path. I am also a web developer and can/have worked remotely but I think that deep do

My advice: don't take a radical path until you control/manage your current path. I am also a web developer and can/have worked remotely but I think that deep down one needs social interaction (even more so if you have kids!). I was also looking to minimize expenses but instead of taking a radical path I decided to control my expenses while keeping most of my lifestyle and guess what? With enough discipline and team work (your partner, if any, must agree with the plan) you may get very low on expenses without having to change too much your routine. The formula was dead obvious for me and you've heard it a thousand times: pay down debt, get rid of credit cards (keep a couple for EMERGENCIES), get rid of unnecessary expenses, buy used, reuse, don't buy toys, don't eat out too much, buy wholesale, bike to work, walk to groceries, etc. Many times the solution to a problem/want/need is not money but creativity and rational thinking, e.g. do you need a backyard b/c you want a bbq on your 'own' place? You will do that bbq maybe 10 times/year. Is it worth it to buy the land/house for that reason? How about a public park for the bbq, or the outdoors? One final word: a mortgage is 99% of the time a bad (financial) decision.