<prompt> Human: Its really disheartening and depressing that even after making a decent income over the last 5 years I dont really have a lot to show for it. Of course hindsight is 2020 but this puts all the past stupid decisions in perspective. I am optimistic in knowing that I am at least on track and learning about PF. I highly recommend yearly financial goals for every one so that you dont wake up one day and have no idea where all the hard earned money went!Started at 45k salary and am at 83K. I have been tracking all my expenses for the last 2.5 years and have paid off about 50k in debt. I guess this is just a rant.  <response>: Youve had a 116k swing in your net worth though. Dont lose sight of that. 