It's worth noting that a big reason why I'm able to save so much is because I have no major debt obligations. If I had high-interest consumer debt to pay down, I'd strongly consider redirecting that money to make extra payments before saving for a vacation.
While the foundation of my savings strategy remained the same throughout the year, I did make a few small, but crucial tweaks.
“It's worth noting that a big reason why I'm able to save so much is because I have no major debt” Also notes they got a raise to invest more in their 401k... So TLDR: don’t be in debt, get a raise, have a 401k, got it. Millennials
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