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[quote=Anonymous]OP, I was you 20 years ago, down to 4 roommates, no student loands and no cell phone or netflix back then.  Lived in the city so no car either.

Guess what. Being healthy as a horse in your early 20s is a norm, not a newsworthy item. But it may not be like that for the rest of your life.   By all means save aggresively, but know that things can change. One thing that you can do to ensure a better future is to carefully plan your career growth. In 10 years you will not want to live with 4 roommates.  You'll need a downpayment on the house and emergency fund for your family.  So the same energy you apply to being frugal will also be well spent on figuring out how to maximize your earning potential going forward.  In the long run it will make a lot more difference than paying $2 for Netflix instead of $8 and strategizing of what to upgrade on a clunker car.  Also, marry someone who shares your spending philosophy and approach to savings. PS: I have yet to hear of a US employer who pays all dental expenses. Sorry.[/quote]

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