<prompt> Human: I graduated from uni BAMA without any debt I had a full scholarship and went into a PhD program where I made about 30kyear, which I basically completely spent because I live in NYC and the cost of living is ridiculous. I was living very frugally, too. In september, Im starting a 60kyear job probably without any debt, but I have no savings, I own no propertycaretc. My SO has no savings or debt either but he is younger and makes enough to cover his portion of the rentexpenses. How screwed are we? How could we possibly think of starting a family - would that be irresponsible? We live a simple but good life right now but we would like to have children in the near future.  <response>: A lot of people without the benefit of a graduate degree dont get to a zero net worth until they are 30. Youre fine. 