Gawd, Brandon, I envy you. It took me almost four years to pay-off my loans. (Mine weren't big loans, but field biology pays about as well as elementary school teaching.).

Where did that self-discipline come from? How can I encourage it in my kids? Has this discipline hurt your love life? It seems to me that girls are usually attracted to airhead flakes who blow their money and careers, not thoughtful guys like you appear to be.