A couple in their early 40s started in 2014 with $150,000 in student loans and a negative net worth. Their accumulated net worth is 91st percentile based upon their age group. Their net worth allocation consists of 54% in retirement accounts (401k and IRAs), 24% in home equity, 3% in HSA, 13% in taxable investment accounts, and 1% in cash. In this interview, he talked about being focused on reducing his expenses, particularly food costs, and separating happiness from spending money. His goal is to retire with a net worth of around $6 million, travel the world, and give back to others to help them achieve financial security. He discusses his strategies for saving and investing, including maxing out his retirement accounts and utilizing an HSA as an investment vehicle. He emphasizes the importance of having a supportive spouse and open communication about finances. He also talks about his plans for the future, including their next goal to reach a net worth of $2 million and considering early retirement.