<prompt> Human: I know this sub gets littered with posts like this but I wanted to thank everyone for taking the time to offer advice and pass down their knowledge and personal experiences. Ive been lurking since I graduated in 2011 but I didnt start budgeting seriously until about 1.5 years ago. Since then Ive paid off the remainder of my auto loan 8,000, a large chunk of my student loans 10,000, my credit card bill 6,500, contributed up to my employer match on my 401k 4 of my salary, and saved 4 months worth of expenses for an emergency fund.I understand my income has allowed me to do this without much difficulty but before I got serious about my finances I was living essentially paycheck to paycheck. When I look at my accomplishments I could cry. Thank you so much for laying the foundation to allow me to turn my life around for the better.  <response>: Good on you!This subreddit didnt change your life, you did. Congrats! 