Not having to pay rent or a mortgage gives you a huge step up financially versus a majority of the population. Most people probably don't understand that because we've been taught that it's good to take on as much debt as we can to get as big of a house as we can, and then pay it off over 30 years. It adds a lot of stress to have those types of bills, but lots of people still do it. There are many ways that you're really ahead of the curve by doing things that lower your expenses and allow you to spend more time with your family.