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So, I am not FIRE yet, but hoping to get there. My thoughts are, never, ever feel guilty about being where you are. You have gone without, living below your means, saving something from every paycheck you have ever earned, maybe stayed in a job that was not ideal for years just to qualify...

Thanks for all the great responses.

Hi, Still in accumulation phase here. I will soon have my mortgage paid off. The balance due is under 15k. Going to try to finish it within a year by scrimping a bit to knock that thing out. Which means I will soon have extra money monthly that I would like to invest towards early retirement...