These days Mitchel works at a mortgage company, and the irony runs deep. That house he’s saving for? He plans to buy it in cash. He hates the idea of going back into debt, even for something like a mortgage (don’t tell his boss!). So he’s keeping up with his $45K lifestyle, despite the fact that he now earns over $120K. The rest is stashed for his dream home. I have no doubt he’ll get it even sooner than he’s planned.