Anonymous wrote:Me. I make in the low five figures working part time. However, my spouse makes about 700K, so not sure my situation really represents.

Anonymous wrote:I make five figures. I have zero debt. I don't own a car, don't drink, almost never vacation, and mostly just replace things when they wear out, rather than buy much. I worked my way through school by going very part time at night while I worked full time so graduated without debt. When I get together with friends it's often for walks or something free. If we go to dinner I just get an entree, because what's important is spending time with people, not so much the food.

Every July I start planning holiday gifts, in September I start saving for them, and I have them all bought by Thanksgiving, paid for in full.

When I get bonuses at work I stick them in savings. I use things until they are dying, like my Apple products, and then buy "new" ones that are actually refurbished. No need for the latest version of anything. I do my nails at home.

I recently had a medical emergency and my ER bill was over $4k. Insurance paid more than half, and I paid about $1700 - I was so happy to be able to pay it.