, I never created the habit of saving for retirement. So when I started saving for retirement at age 31 after my debt was paid off, it was in chunks.
When your net worth is negative for so long, getting to zero seems amazing. But when the high of paying off debt wore off, I realized I was starting at ground zero for retirement savings. I often wonder how I'd feel psychologically if I had several thousand saved by the time I had paid off my debt. Money is very emotional and psychological. While I was paying off my debt, that's what felt like the "right" decision at the time because my debt had caused me so much anxiety and stress. Little did I realize that more of that was waiting for me around the corner.
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