I agree. It sounds like (s)he’s making sacrifices, something a lot of people don’t know how to do. My husband and I went through it… we actually joined the Army, got money for college, always lived under our means (still do) and made the best decisions with the information we had available. But now we own two houses outright and have a good retirement in place. We enjoy life but we made sacrifices, and they paid off. And even though our daughter grew up what some would call “privileged” she’s super thrifty and money conscious, independent and making sacrifices for her future. Keep on keeping on!