<prompt> Human: Graduated with slightly less than 30k in loans. Got my first big boy job at a Big 4 firm in NYC. I decided to live at home and slug out the 1.5 hour commute each way. I was waking up at 4 am to go to the gym and finishing my days at 11-12 pm at night. Luckily I pushed my way into some projects that had better travel and continued to live at home and save everything I can. Now I made my final payment that will clear Monday and finish my student loans.  <response>: Just FYI, 12pm is noon, not midnight : 