re: Excluding home equity, the median 40-44 year old has a net worth of just $58,000

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. I could probably take a few pointers

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It helps that we live a little outside of the city. It's a 20 minute commute for me and less for my wife. We also bought our home in 2006 for a good price and we're staying there forever. We've never bought a brand new vehicle, take vacations every other year. No credit card debt. I'm not into fishing or 4 wheelers. No student loans thanks to the GI Bill.

I also had it beat into my brain by my parents to save money as a young kid. I didn't listen until I was about 21 and started saving $200+ every month and have done that faithfully since. It's helped with down payments, private school tuition and the times we were in a bind.