I’m 42 and I’ve been engaged three times but never got married. Lol. Got spooked every time. I unfortunately went through a phase where I spent a ton of money on strippers. I regret that now. I’m paying off my car loan ($24K left), another loan ($7K), credit card ($5,800), and credit card #2 ($1,300). Won’t it be great when I can save the same amount of money every month that I’m currently using to pay off debt? Can’t wait. GYOW. It’s never too late.