I was just using that example as an indication of a mindset. Yes, helping your sister is a major setback, but it sounds like you have overcome it and are keeping on track. Keep it up. Living like no one else is tough, but it is well worth it. It took me just under 3 years to get to baby steps 4, 5 and 6.
I had to look up what the steps that far in front are before responding. The way the economy’s going, I’m promoting “paying off the house” to step 4 instead of step 7.