I am not that much younger than you but I think you need to look at average income and expenses for young people these days. Look at what it cost to attend college if you graduated around 2018.
We missed the period of time where you could "work your way through college" and have it paid off by the time you graduated, but we were able to graduate with reasonable levels of debt. I think I had $20k in debt when I graduated in 2008. My first apartment was a $450/mo room in someone's house then a $500/mo studio.
It's not possible to graduate college today only $20k in debt and they're going to make $10k/yr more than I did but have to pay for a $1800/mo studio (the median rent in the same town I got that $500/mo studio in 15 years ago). So it's great that you were disciplined but that's not the only thing that matters and each year things are a little worse for those just starting out.
>it's great that you were disciplined but that's not the only thing that matters and each year things are a little worse for those just starting out
The only thing you can control is yourself. There's really nothing anyone can do about conditions. I do believe that no one and nothing has more control over your life, than yourself.
We missed the period of time where you could "work your way through college" and have it paid off by the time you graduated, but we were able to graduate with reasonable levels of debt. I think I had $20k in debt when I graduated in 2008. My first apartment was a $450/mo room in someone's house then a $500/mo studio.
It's not possible to graduate college today only $20k in debt and they're going to make $10k/yr more than I did but have to pay for a $1800/mo studio (the median rent in the same town I got that $500/mo studio in 15 years ago). So it's great that you were disciplined but that's not the only thing that matters and each year things are a little worse for those just starting out.