I think I am!!! I paid off my student loan, lived in a tent 54 of 60 weeks 24/7 5 days a week. Another 60 weeks I got up at 3:45 AM to wake up privates at 4:15 AM to run at 4:30 AM 5 days a week to include running 5 miles every Friday to pay off my loan!! CLEARLY, I AM THE DUMBEST!!!