<prompt> Human: New members, please read through the New User Orientation.This a continuation of Triumphant Thursday. Instead of posting individual threads for triumphant stories of how youve reached a certain net worth, paid off a loan, or other sort of bragging, lets consolidate them into one weekly thread!Make a top-level comment if you want to brag about something regarding your personal finances!For past Triumphant Thursday threads, please see the Weekly Archive - rpersonalfinance mods  <response>: Ive been lurking around here since the beginning of the year, soaking up information and getting my shit together. I started budgeting and making a conscious effort to save, and I even got over my fear of credit cards. I think I always knew that you didnt have to pay interest if you didnt carry a balance, but that didnt really sink in until I started reading posts here. Anyway, I have a six month emergency fund, and today I hit the contribution limit for the Roth IRA I opened in August. Now I feel comfortable opening an account to start saving for a down payment for a home. Five years from now, I want to be sitting in my own home fixing something stupid as I rue the day I ever decided home ownership was for me just kidding; I like fixing stuff. My thanks to those of you who take the time to share your knowledge and experience. As Socrates may or may not have said, Read stuff so that you can learn from people who do stuff. Or something like that. 