I don’t take on debt, negotiated student loans for my master’s degree into 2 jobs which fully covered the cost. I work full-time and own a side business (which I also work part time) and repair and sell games in my limited spare time. I invest a lot, and save a lot. I stay within a good budget And only have 4-6 games at a time (occasionally it’s 7 )
I don’t watch much tv, this is EXTREMELY important to have more time to do stuff.