re: I'm a YNAB geek.

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wow. that is fantastic. I am at 60% now. Striving to get it higher. Wife just laid off so may be awhile especially with this obamacare garbage.

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Its really awesome. Sub 3.5% mortgage helps as well. We just live way below our means. We bought a $325k home in a nice suburb and our kids go to public school. I drive a paid for 2007 Volvo sedan with 104,000 miles on it. I could pay cash for a brand new one. But why would I?

I don't have any expensive hobbies, not that there is anything wrong with it, but not being interested in expensive things helps.

We take what I feel are great vacations, albeit modest in price. We did Disney for about $2500. That was the most expensive vacation we have ever taken. Yes, we could have spent $10,000, but we had a great family vacation.

There are families that we know that make significant less than we do that have country club memberships, drive two new cars and take expensive summer and winter vacations every year while living in a $500k+ house. There is no way they are not doing this on debt.