That is awesome to be young and so frugal. I was so into spending at that age. You don't mention any student loans which a lot of young people are really overwhelmed with. Some new grads owe more than a mortgage.
I'm not trying to sound snarky. We're all in a different boat in same rough seas trying to stay afloat.
I have always been quite a saver. The money that I put down on my house included money that I saved from birthdays, holidays, my bat mitzvah, and high school, college and law school graduation gifts. I also had some sort of job since I was 11, except for my first year of law school because outside employment wasn't allowed. Most of that money got saved as well. I have always been pretty goal focused. Not necessarily cheap because I like to buy nice, high quality things, but I am good at prioritizing what I want and then saving for it before I buy.
And yes, I didn't mention student loans because I was extremely fortunate and my parents covered my education completely. I worked hard to get scholarships to reduce the cost to them. And when I got accepted to several top 20 law schools, I choose the one that would give me in-state tuition after the first year because it was the best financial package. I am so grateful to them and realize that their gift put me into an amazing position so early in life and allowed me to save much faster. If I had loans, I would have gone through the loan forgiveness program and would have likely just discharged them, so I am sure things would look really different for me right now if I had loans.
When my husband and I got married, the first thing that we focused on financially together was to be ultra frugal and pay off his student loans. He went to college in Canada and lived at home all 4 years, so his loans weren't anything like most people in the United States. We managed to eliminate his $25k in loan in just over a year after our wedding.
And before we had childcare expenses, we were paying double on our mortgage for 2 years. It really reduced the principle quite quickly. But with 2 kids in daycare now, our money is very tight and we finished the basement so we have a HELOC that added significantly towards our home debt. I just can't make any extra payments right now. Our oldest will have at least another year in preschool, but once she is finished, I look forward to paying down our HELOC as fast as possible.
As you said before, we all go through seasons in life and our priorities and obligations shift. I definitely am much less frugal than I used to be when it was just me. I go to Target and I often can't help buying a cute shirt for my kids or some other extraneous purchase. And I definitely consider family vacations to be a must now. I am very much looking forward to our Hawaii trip in September since it will have been almost 2 years since we will have gone anywhere.