I did it! Just started reading MMM this spring, and since then I've bought a bike and started ridding my bike to work. I've maxed my 401k and roth. I have opened my Vanguard account, and paid off my student loan debt. All that with several $$ emergencies that I could pay in full at the time by just eating out of my pantry a few weeks.
Before finding this website, I lived paycheck to paycheck, paid my minimum payment on loan and wasn't even aware that there was a max on 401 k. I thought I was frugal.
Now that my relationship with money has changed, I feel so very happy everyday. I've always been an optimistic person, but now I am aglow in optimism. I am truely a happier person!
Thank you MMM and thank you forum community!