Back in 2018 I got into some serious debt about 27,000$ CAD from some education courses I took and well, the usual debt I had left from my vehicle, this July 2019 I just finished paying the entire amount and at the same time I was able to save.
I am all about optimizing my money and using it on things that are really meaningful to me (while at the same time saving and investing most so I can retire early), with that I mean, for example, if you don’t love cars, why spend 24,000$ on car. I could have gotten something for half that price, save some money and use the rest for traveling.
If you do the math, retiring early and becoming debt free is not a matter of being frugal or avoid having the coffee you always have every morning on your way to work. It is about creating habits, paying yourself first, stop spending or spend less in things you don’t love and spending what is left in things you really love.
N Factor Trading 