Acid_Burn

That's a good point and I can't take credit for having my finances in order. My partner is amazing and much better at budgeting than I am. I think that is another big factor for me. Having a supportive partner to encourage and grow with makes a night and day difference. I'm lucky and grateful but also work hard to have a better life.

I'm pretty close to getting all these done most days but the only reason it's possible for me is because I work from home and make enough money to be slowly getting ahead.