> The advice you sometimes hear to go traveling and backpacking in your early 20s to self-discover is total financial lunacy.
And life isn't only about min-maxing your financial situation at all times. Playing this game leads to a pretty bitter life, some are fit for it and thrive by squandering every cent they can during their younger years, others will simply be miserable.
Financial lunacy or not I don't believe that your life should be completely dictated by maximising your financial prospects when you are 40 or 50, each decade is a completely different life you live and missing out on your 20s while you are at your healthiest and less tired self is a personal development lunacy.
When you retire you aren't young and dumb anymore, you won't have the same experiences, you won't meet the same people, you will just coast into your later years. Might be successful by the metrics of the rat race but are you, as a person, really much better if you didn't experience much just to save money for later?
Everything is a trade-off, min-maxing your retirement funds on expense of your life experiences is just another option, financial lunacy or not, I'd love for more humans to not have to be trapped into lives based on what's financially sound or not.
And life isn't only about min-maxing your financial situation at all times. Playing this game leads to a pretty bitter life, some are fit for it and thrive by squandering every cent they can during their younger years, others will simply be miserable.
Financial lunacy or not I don't believe that your life should be completely dictated by maximising your financial prospects when you are 40 or 50, each decade is a completely different life you live and missing out on your 20s while you are at your healthiest and less tired self is a personal development lunacy.
When you retire you aren't young and dumb anymore, you won't have the same experiences, you won't meet the same people, you will just coast into your later years. Might be successful by the metrics of the rat race but are you, as a person, really much better if you didn't experience much just to save money for later?
Everything is a trade-off, min-maxing your retirement funds on expense of your life experiences is just another option, financial lunacy or not, I'd love for more humans to not have to be trapped into lives based on what's financially sound or not.