You can have my student loan debt so you don't feel like an outsider. ;)
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My bf and I are bartenders (at a private fraternal club) and we don't make much on paper (tips vary)... but we're blessed to be able to live comfortably with 2 boys under 5, recieve zero gov't assistance (rare for ppl in this area w lower-mid income) and only work 3 days a wk...
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We pay cash for EVERYTHING. Only exception being occasional gift purchases online. No credit cards. Saved for 8 yrs living next to his mom, now I have a 100K condo FULLY PAID with my name on the deed at 34 yrs old. It's all in how you budget.

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live at a fraction of your means debt will melt, wealth will accumulate
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I've taken the leap. 5 months ago. It's a little unnerving the first few months. The learning curve. Realizing his expensive health insurance is being your own employer. Wise words Jack. My dad talks like that.
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Debt is like heroin, it is best to stay away from it from the start, but very very hard to get out of it once you've had that first hit.
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