I went into college during the dotcom bust. Everyone told me I would be making peanuts. I'm pretty happy where I am.

I've lived my life trying to minimize the financial downsides. I want money for security, not to live the high life. I like my job, and don't feel the need to retire early - I would love to do it until I'm 6 feet under. I make a decent enough income, although not the level of many here. I bought a modest house (700k - hey, it's California) compared to what lenders wanted to lend me (1.3mil).

We could afford our expenses on two minimum wage jobs if need be. And that's with 3 kids.