Pampered_Cowboy

my plan is next year just have car, student loan and hopefully a house with roomates

Congratulations! To those who wonder how it's done (I only have mortgage debt), the principle is easy. Realistically divide what you spend between what you need and what you want. Scale back your spending on the things you want and look for ways to reduce your spending on the things you need.

yup! living below your means, and as cheaply as possibble and saving the difference you make will always put you ahead of everyone else. Keep up the good work!