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<p>This is the point.</p>
<p>Living frugally for a few more years and getting rid of debt as fast as possible means that one is free to do whatever thereafter.</p>
<p>Plenty of kids graduate and think they have to have the better car, the apartment in a hipper neighborhood, blow money on bar bills and eating almost every meal out…bringing a sandwich for lunch most days can easily save $150 a month or more.</p>