The holidays can stir up a lot of stress, especially when student loans are still hanging over your head. In this episode, I want to slow things down and offer some perspective. We talk about why extreme frugality isn't required to build wealth, why "rich enough" beats "obscenely rich," and how your education and earning power already put you in a strong position. This is a reminder that student loans don't get to steal your peace or your joy.

Key moments:

(01:57) The difference between being rich and being rich enough

(05:32) The real spending decisions that actually delay retirement

(09:42) Why balance, gratitude, and time matter more than net worth

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