I would agree with you Pika. I've been reading Nimblewill Nomad's journals and that guy is a hiking machine! He's been hiking long trails since 1998 and I think he is in his upper 70's.
That gives me hope. To be debt free and able to hike long trails is my long term goal. One step at a time for each.

If you think you can, you can. If you think you can't, you can't. Either way, you're right.