Okay. Things are making sense now.
I hear ya on several of those points. My wife and I have no credit card debt. Anything we buy with a credit card, we pay off as soon as the bill comes in.
We paid off our student loans within the ten-year span after graduation. We have only a mortgage, but that is cheaper than renting by $300 a month!
We have no car. Not necessary.
We have no TV or smartphones. We just pay for our ISP, which is $60 a month.
I keep $20k in the bank at all times, in case of emergency.
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