I don't have any loans. I don't have a car payment dahil no need for cars in baguio. I only rent an apartment with my friends. And I don't buy things unless I really need them. My only luho is travel (once a year only but LAVISHLY), and food☺️. The earlier you realize your wants, goals, and aspirations in life, the earlier you can plan and manage your finances to achieve them. Work on your budget now!!