re: I'm a YNAB geek.

quote:

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Without giving personal info generally how did you do this?

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Sure.

1. I got my head out of the sand, paid the stupid debt off.
2. I got on a realistic budget and started using YNAB.
3. I started learning how to invest.
4. I'm saving nearly 40 percent of my income. Compound Interest is the best thing in the world.

The 500k includes about 150k in home equity, which I know you aren't supposed to count.