No you are not the only one, my EF is pathetic, I have no real investment (ok a pathetic 401K) and I do not own the house or the car yet.
But over the last few years on SA I have made many changes (and got a few raises) so life is improving...I no longer feel like each day is a major struggle..just that it isn't where it aught to be.
Now ask me again in two months after the baby is born and I may be still fine, or I may be in medical debt to my ears....
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