Absolutely. It is a sad reality that those who would benefit from a windfall the most are the least likely to receive one.

It's a resolution of mine to reduce Going Out and Dining Out. The Going Out category includes all my vices...alcohol, nicotine (a big expense I finally was able to quit thank god), as well as any other drugs.

As for the saving, I think I was able to save this amount because at 26, my expenses are about as low as they ever will be, given I live with roommates, have no dependents, and student loan payments have been frozen for the past year plus.

Lastly, I am grateful for the $20k but it came from the sudden death of an immediate family member, so it doesn't feel very lucky but it's still a privilege I suppose. The way I look at it is that it's as if I don't have student loans, because the amounts are roughly the same.