Yup, avoid the consumer trap that 97% of people fall in and learn that less is more. Those consumers throw away or sell their barely used items for little. So if you need anything, there is plenty for less of a cost than you think.

You can either have things and work your life to pay the debt or you can learn to love less and own your time.

I've been retired for 4 years now, was 37 when I stopped working.