I quit smoking in 1981.
I quit drinking coffee in 2009.
No professional help needed, I just did it.
What I started on my own I ended on my own.
Same with my debt.
I’ve had no debt since 1992 or so.
I own 5 ocean view acres and two houses in Hawaii.
I have NO respect or concern for people bitching about how hard their life is.
Do it like I did.
Work hard and don’t waste your money on pretty stuff,
like starbucks coffee and new cars.
You have obviously worked hard to get where you are, but Hawaii is run by Communists. Communists like to seize things, so I would recommend having a lawyer on retainer.
In my first job out of college, I worked in field service engineering in power plants. Us service engineers lived on the road 100% of the time. We got a company car, hotel (or apartment) and daily food allowance ($20 back in the early 70s).
I banked over 3/4 of my paycheck without much trouble but still enjoyed life. One colleague bought a Formula Ford race car, the finest leather jackets, and lived the high life. Another colleague was the biggest tightwad I’ve ever known and bought cases of Saltine crackers and peanut butter on saleso he could pocket most of the daily food allowance.
Human nature is immutable.
OK Boomer
We just hired a very young enterprising couple to clean our house. Early 20s, I’d say. They raved about the house and said they’d like to have a nice one some day.
We told them to live below their means, and always pay cash unless credit is absolutely necessary. It’s challenging at first, but will pay off big time later on.