My wife and I saved $100,000 by age 25 on a $50,000 a year salary. Here's how we did it.

I think this is where we fall into the weird category. We've never had any debt other than our mortgage and don't plan to. We drive old cars and didn't accumulate any student loans. I just went to a local community college and my wife didn't go at all.

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Living debt-free has been awesome. I think we've been able to avoid a lot of money stress by only buying what we could pay for in cash. We might not have fancy degrees or brand new cars, but we're happy with what we have. Through a combination of practicing minimalism and gratitude, I've become content with the items I have. I'm actually happier when I get rid of something than when I make a new purchase.

Another thing we've done to stay out of debt is keep an emergency fund. The first thing we did with our finances when we got married is set aside several thousand dollars and haven't touched it for anything other than big expenses we weren't expecting to make.

If you didn't think we were weird for never having debt, I'm sure you'll think we're weird for budgeting. I understand that a lot of people feel like budgeting isn't necessary but it has played a huge role in our net worth.

I'm a bit different when it comes to how I handle our budget. I'm not strict on the number we put down for each category. If we spend more money going out to eat than I anticipated, I just pull some from the savings category and increase the budget for eating out. I really just budget so I can see how we're using our money and make decisions to optimize.

I don't know the exact number, but we paid less than $10,000 for our wedding and still had an awesome one in my opinion. My wife was able to get her dream dress for $600 and I got a cheap suit from JC Penny. We had the ceremony at a local church for free and the reception outside at a relative's barn.

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Really, all we paid for was all the decorations, food and a little bit for the reception venue. I don't think we could've been any happier with the way it turned out. I don't understand why people think they have to spend $50k on a wedding. I'd rather travel the world for a year with $50k than spend it on one day.

A few months after my wife quit Chick-fil-A, she got a job helping build sets in the movie industry. She started making about $18 an hour with 20 hours of overtime every week. Over the next 5 years, her pay increased to about $27 an hour. About a year after we got married, we decided the 60 hour work week on top of an hour and a half commute was too much. She quit and has been helping at her uncle's private school for the past couple years.

After I got fired from Chick-fil-A, I slowly worked my way up to my current position. First, I got a job at Kroger. After that, I worked at a Quick Trip gas station. About a year after that, I got my first office job at a playground company and started going to community college for IT.

I fell into a CAD designer position with the playground company and gained enough experience to get a better paying job at a truss manufacturing plant. After a painfully boring year and a half of that, I finally got my first and current position in IT. I started this job making $42,000 a year and by working hard and asking for a raise, I'm now making $50,000.

I think I started my first Roth IRA when I was 22. When we got married at age 23, I only had about $1,000 saved up for retirement and my wife had maybe $5,000 in her work plan. She kept most of her money in cash which is how we paid for our wedding, our honeymoon and most of the furniture in our house.

We haven't been as aggressive as we should've, but I just started learning how to invest a little over a year ago. Since I learned that simple investing is smart investing, I've been trying to invest as much as we possibly can. We're currently investing about $1,000 a month at a minimum.

We've currently got about $39,000 in our retirement accounts and the rising market has helped out a lot with that.

Even though we were making over $100k when we got married, we bought a 1200 square foot house for $95k. It's more than enough house for the two of us (and our cat) and we like the neighborhood. Our mortgage is only $660 a month!

I'm sure we'll buy a bigger, more expensive house in a few years but it won't be something we can't afford the payments on. I'm thinking we'll probably keep this house and rent it out when we move. I'd like to slowly start investing in real estate and that would be the perfect way to test it out.

My wife and I weren't really doing anything on the side to make money up until a year ago. I started selling on eBay and have made about $7,000 extra from that. I've also made about $1,000 selling items at an antique store.

This is what I've been focusing more on lately and I plan to really start making serious money on the side of my day job.

To sum everything up, we stayed out of debt, increased our incomes, lived as frugally as we were comfortable with and invested our savings. The combination of all these things is how we eventually got our net worth $100k.