Yes, it doesn’t really matter what your background is, if you decide that it actually feels better to be independent and living debt free, you will begin to take the proper steps to make this happen. You will resist the urges to spend, in favor of a longer-term goal. If you tell yourself that it is OK to have $500 in your account, you will take steps to make this happen. If you tell yourself that it is OK to have $100,000 in your account, you will also take steps to make that happen as well.