YOU HAVE A GREAT INCOME. Do you really not see that’s why you could do this? Most 20-something college graduates are likewise thrifty and careful BUT DO NOT HAVE A GREAT INCOME. You are an outlier. Be thankful. Also? I could not get student loans (different rules when I attended) so I had to work my ass off and skip meals and never get enough sleep. I don’t wish that on others just bcz my education was so difficult for me to pay for.