Nice thread. Im 30 and went back to school for a degree in Finance. Ill finish in May with no net worth, 75k in the hole. I drive a PoS and stress all the time about being able to pay off those loans. I already decided against kids because of cost and at 30 I want to save for a home, IRA/401, etc. Plus this econ sucks... I probably wont see a Lambo in my garage until I'm 85.