Yes, I am definitely those people willing to change habits to be debt free. For me, it's better to sacrifice some expensive hobbies than serving mortgage. Hobbies can be replaced with less expensive ones. Creativity is key. Time with family is more precious. In fact, my dream is retiring young. Talented investors in my generation opt to be child free and retire by 30 years old to travel the world. Basically, they spent several months in each country. After 25 years, they would have traveled to a hundred countries. I hope you'll set aside enough to pay for your medical insurance. Everyone grows old and has a tendency to get sick. Remember, the choice is always yours.