Unless you needed some highly specialized major, you probably could have gotten your degree at a more affordable university closer to home. You might have even been able to live with your parents, like I did.
In hindsight, I now realize that my need to proactively save and invest was rooted in a childhood scarcity belief about money, but my financial forecast almost always predicted that there would be rain.
My friend Amy mentioned that I might try a method advocated by a flamboyant Russian hairdresser we both worked for over a decade ago: no sex before you’ve gone on 10 dates or he has spent $1,000 on you.
After nearly seven years of living strictly within this budget, the Sappers have accumulated $50,000 in emergency savings, maxed out their IRAs each year, paid off their house and hit other key financial milestones.