One flat, and one old car is my expense.
I've already retired once (in my 30's). My job ticked me off and I quit. Stock was high. I took the penalty and cashed out and my husband built our house. Nothing fancy but I'm not having to work two jobs to pay for it either. We also drive older cars. They are comfortable and paid for. Maintance required but it seems like the news ones always breaking down nowdays too. Insurance is also cheaper that way. I don't buy into the American dream by debt. Been there. Life is much better this way.