ive been working my entire adult life(35) i started saving money when i was 27, saving everything i can, putting as much as i can into retirement, and everything else into savings. i make 21$ an hour
i talk to my coworkers and they tell me about the cruise they took, or the boat they bought, or the car they drive, or the house they live in, or they bitch about how expensive things are.
then i look at myself, i pay 200$ a month rent to my dad to live in his house, i dont have any bills besides insurance and cel phone, i own my own used car, and i have a nice grill, and computer, but thats literally all that i have, when i look at my bank accounts i have 20k in retirement, and 5k in the bank.
what i want to know, or understand is how in the fuck do people afford anything? my ultimate goal is to have a house of my own and at this rate i wont be able to afford one until im almost 50, and even then i wont be able to afford the tools/help to make the house what i want it to be, im litterally a car breakdown or medical emergency away from being completely broke.
i feel like im doing something completely wrong, i work my ass off all week and i have very little, yet i look at all these other people that do the literal exact same thing as me but they have nice cars, houses, kids, can afford to take cruises, how, how do they afford it? i was talking to one of my coworkers and he was telling me about his vacation being cheap and it was almost twice as much as all the money i have.
what the fuck.