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Notes -
I know you mean this as snark, but also this, unironically.
To benchmark - I currently have enough in tax advantaged accounts that I can retire comfortably at 65 even with a great depression-scale market correction in between now and then, and depending on how things go, I might be able to retire in as little as two years.
I was born into a poor family. I grew up so poor that I got in trouble at school more than once for not wearing shoes because my existing pair fell apart and we couldn't afford new ones. Even food wasn't a guarantee.
I managed to get from there to where I am now by pretty much doing what you described above. I worked 15-20 hours a week all through high school. I smoked the SATs, which got me accepted into several different schools. I chose to go to a fairly pedestrian state school rather than a prestigious engineering college because they offered a much larger aid package. I chose a major that wasn't my passion because I estimated that it would represent my best chance at not being poor. I learned how to cook my own meals and fix my own car.
When I graduated, I took a job at a relatively "safe" employer and I've been there for over 20 years. I kept my head down during the global financial crisis and did what I could to be at the bottom of the layoff pile. For the first three years I worked, I lived like a monk in a busted-up apartment that didn't even have hot water half the time. I used every spare penny I had to pay off my student debts.
Once I paid off my debts, I started putting 15% of my income into a 401(k) and maxing out a Roth IRA. It meant that I couldn't afford a nice car and I wasn't going to go on a vacation every year, but starting early meant that my gains had a chance to compound.
Even today I try to live simply. I try to keep my entertainment cheap. I don't take extravagant trips. I only have beef a handful of times a year because it's expensive. I live in a low cost of living area and have kept the same small, simple house for the last fifteen years.
I did what you suggested above, and it's working pretty well.
It was snark but also real for me as well.
I did my own cooking, plumbing, car repair, everything; and if I couldn't do it myself it simply didn't get done. Can't fix the water heater? Simply take cold showers, you won't die.
I just think that isn't sufficient; you also need to get lucky.
That said like you, have that shit baked in. I have the same old 99 camry I bought when I had no choice, and I can't bring myself to get rid of it until it finally dies. I do have the hybrid second car because there are two people who need cars, so that softens the urgency.
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