This week I caught up with a couple in their mid 20’s, Richard and Jane. Their express aim in putting themselves out there is to comfort the other twenty-somethings that their financial situation is in their own hands and they, to a large degree, get to write their own story. In 2019, they purchased a home when they were just 22 years of age and are now setting about paying it off. Buying a home so young is unusual, but having the goal from the beginning to pay it off as fast as possible is even more unusual. My first question to them was, “how did you get so smart?”