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Yup, I had kids at 22, it forced me to really reevaluate whether $10 on coffee a day was a wise use of funds. I ended up buying an apartment at 22 on tech support salary.

It sounds like the author has made a lot of poor choices and doesn't want to hold herself responsible for them.




And for anyone thinking that "it's easy to say 'save more and spend less' when you make a six-figure salary, but that doesn't apply to me", take a look at http://www.mrmoneymustache.com/2015/06/05/success-even-after... , which provides a good counterexample.




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