It’s amazing to me how much effort it took for me to get out of 20k in debt, and doubly hard to save +20k in savings.

And now, it’s like autopilot getting to 100k in savings 😱

All I can say OP is this: if you want to get out of debt as badly as I did, you will cut down your spending to just barely scraping by standards and pay down that debt penny-by-penny. I don’t know any other way of doing it.

And, if you want to sprint away from living paycheck to paycheck, you will continue that same strategy you used to get debt free. I don’t know any other way of doing it.

Good luck