Savings! That would be it!

Once I was able to refinance my debt for a better rate I immidiately started to invest any leftover cash.

I don’t party, I don’t drink (I did back then), if we went for a holiday it was very low cost backpacking and we saved a lot money.

I change my phone when I have to. I still wear a 10 year old sweater because it’s still ok. Other than some gaming gadgets and games in discount I don’t really spend much money on myself.

I think you got the point.