<prompt> Human: 2 years ago I was a college grad who was two years out of school who had just found their first adult job making 62k. With 32k in student loans I had barely enough money from odd jobs to keep up with my student loan payments and had somewhere to live due to the gracious support of others. Now Im debt free. Almost finished saving my emergency saving fund 15k, and have almost an equal amount invested in my 401k. Truly, the only thing I did was not increase was my spending. I started paying bills for my living expenses which I wasnt paying previously but other than that, I saved and payed down my debt. I mint as a tool, and now Im using YNAB for budgeting I wish nYNAB existed back when I started paying down my debt. It was hard to not want to buy more, and there were certainly moments of splurges. But once I got half way through the debt the other half seemed like I could finish it so much faster. After I paid off the debt saving up 15k seemed easy. I spend my money with intent and purpose on things that will truly add to my life. I easily find what will add value to my life, while also feeling no guilt buying silly things occasionally. Finding the lifestyle I want to live is so much easier now. Money isnt the determining factor, what I want and desire is. Thanks for the help, PF. Edit: You guys are right. My math didnt add up. Not the success story I originally made it seem, I apologize. When I logged into mint yesterday I saw my net worth was the opposite of what my student loans were when I graduated and was just so excited I wanted to share. I didnt think there would be much interest in the details so I didnt even look them. Ive looked back at mint to get the numbers. My net worth was not -32k two years ago. My student loan debt was 32k 4 years ago. So let me clear some things up:2012 June I graduated from college: 32k debt in student loans. 2012 June - 2014 June I was barely scraping by with odd jobs occasionally. Avoided most new debt due with help from family.2014 July I got my job making 62k. At this time my student loans were at 25.5k, and I had racked up 1.5k in medical debt. This is when I began my journey to becoming debt free. Bring home pay of 3,100.From June 2014 to June 2015 I paid living expenses of around 1.5k. I moved in with family in June 2015 I still had to pay for June. In July 2015 I became debt free.From July 2015-Sept 2015 I paid no living expenses. In 2015 Oct I found a new place to live, but scored big and now only pay 600 a month for rent. Less than 1k of living expenses a month. Here is a graph of my net worth from mint June 2014-now: I live in the CA, Bay Area in one of the most expensive areas. 62k is not a lot. At my wage, its unlikely Ill be here 10 years from now. I dont see myself ever making 100k here. On YNAB: YNAB and nYNAB are different. nYNAB is a subscription service I am really excited about, that auto pulls transactions. YNAB is the old tool, one time pay software, you had to manually enter things into. nYNAB did not exist when I started my journey to being debt free. It is all my dreams come true for a budgeting software.  <response>: Thats really fast progress. I suspect your expenses are pretty low. Good job! 