I discovered the idea of financial Independence quickly after my first job and we started saving aggressively by living in a fifth wheel, cooking at home and I also cycled to work most days. We even took advantage of credit card perks like 0% interest and that worked out great, until it didn't.

I got laid off from my full-time job promptly after transferring approximately $30,000 that we owed on our fifth wheel onto a credit card. That's when I realized it IS possible to save too aggressively...