30 years old,Been in us for 9 years,2 years community college, 1 year did nothing (got dv ) ,4 years university ( changed major 3 times ;-) ) , 6 months to nepal ( 2 times,3 and 3 months), 1 year looking for job, 6 months working in real job , married no kids, 10 k savings, 8 k student loans, no house,no retirements , no mutual funds but still happy ;-)