3rd year v10 transactional NYC. Ended law school with $240k+ in loans (mostly from undergrad lol). Got it down to $150k ish now which sounds awful. Been 401k, Roth, HSA-maxxing each year, w/ about $20k in emergency fund, so that makes it a little better, but still feels like I blew a ton of money somewhere to still be this down in debt. Also first gen college so money ain’t exactly come naturally.
Am I really awful with money? Is it the COL/“affordability” that people keep talking about? Please don’t say somewhere in between.