We did the same. I had savings bonds, IRAs, 529s, stocks, employee shares, savings, TSP, 401ks, 457s, and then we got married and now have kids. I'm 32. We drive 13 year old cars (paid for, insured $10/mo), paid off our home. Bought defense, food, supplies and homeschool stuff. And PMs. Then I got my hooks in some crypto. We keep less than a paycheck in any bank ever. I feel more freedom now than at any other point since turning 18.
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