Best Time to Have Money
Thinking about my Associates and VPs slaving away their twenties and early 30s. Truly don't understand why these guys work so hard for possibly 10 days of vacation per year, to maybe make MD and pay $60k in private school tuition for 16 years of their kid's lives. They may have a beach house in S Hampton that they see 6 weekends per year...Came to the conclusion that the best time to have money is 18-30. Basically coming from money is the only way to truly enjoy being rich.
Any money after 30 just doesn't seem worth it. Capital is freedom, until you have a demanding job, family, and health ailments. Maybe I'm jaded curious to hear how this industry has changed perspectives on wealth.
Yeah, many economists actually agree with this statement. But I disagree on having to be born rich. Basically, you should stop trying to save so hard when you’re in your 20s. Some economists even say you should go into debt when you’re young (not talking about student loans either).
It’s called consumption smoothing. We make all this money when we’re older and experienced, but we’re too tied down with kids or are not healthy enough to enjoy it. So we should spend more when we’re young, knowing that we’ll make up the difference when we’re older, making bank, and too tired to go surfing in Indonesia for a week.
I personally have started spending my entire base salary + budgeting an extra $2k per month from my bonus to make sure I’m fully balling.
$24k (after tax) of additional consumption can drastically improve your life in your 20s… but will he a rounding error when that first big carry check hits.
thanks, interesting points
I read this concept in Die with Zero and throughout the book I could just never really agree with it. I understand it in theory but practically speaking, spending my future money right now would be mentally very tough. So many what ifs like change of heart on high finance careers, layoffs, etc can dramatically change your future earnings to where my first carry check 15+ years from now isn’t exactly something I want to base my lifestyle today on.
The average person may start off making 40k out of school and progresses to 150k in their 30s or 40s and that’s a pretty reliable path that I understand applying this concept to. However, making 200k first year in IB and having that comp double every 2-3 years and sticking on that golden path for the long haul is so much less likely.
There’s a balance to it. Depending on how much of the $24k I spend, I’m still saving $60k-$84k this year (out of $275k total comp). Obviously I could be saving more. But who cares, $60k is fine. I’ll probably get promoted soon and be in the 3 or 400s
I think it’s also important to find a role that you can handle indefinitely. I’m not doing IB anymore, my job is hard, but not grueling (weekends/ many weeknights free unless really grinding to get to IC). IB sucks, and I would not count on making $800k as a VP.
Another thing I’ve done… go into excel and map out your net worth assuming you exit to corp dev and earn modest, but solid pay continuing into your 50s. Use whatever data you can find to accurately map it out, and use realistic assumptions for savings, return on savings, etc.
Now go edit 2024’s budget in your model and reduce your savings for that year by $24k, 50k, whatever. How much did your retirement net worth move?
Die with Zero is great although Bill seems to be steering towards hedonism which can be counter effective... Many other ways to have pleasure with little money...
Back to your point of what ifs... Find a balance and have some people you can rely on for those what ifs. If you can't rely on anyone then think about relationship capital and how we should be "earning" meaningful relationships with family and friends. (seems like they might have that part down in Indonesia without the money)
What do you spend it on? Do you mind laying out (e.g. food, activities, vacations) etc.?
Yeah those 3 things basically. I don’t have a fancy, car, watch or apartment (A+ location, but small studio at $3k/month). I try to spend on memorable experiences rather than material things that I’ll forget about in a few years
Makes me feel a little better about spending as much as I do. I try to save some but I’m still enjoying my life. It’s expensive to live in these cities and I’m not going to miss the extra few hundred I spend to live comfortably. It’s honestly necessary if you want to deal with the demands of our jobs.
Very much disagree with this, it’s like you “kids” in your early 20s don’t realize there is a life after 30. I would say a few things:
1) I wouldn’t have made responsible decisions with a lot of money at 18-25 or so. I think money would have probably been a curse and not a blessing. I don’t know what you think “enjoying” being rich is, but most of the things that bring you happiness you can do for a lot less than you think
2) there is plenty of life after 30 and plenty to enjoy. Heck, I’m almost 40 and in the best shape of my life, and outside of things I just find stupid now (mostly the whole clubbing scene) I do a lot of the same stuff I did when younger (travel a bunch, go to concerts/sporting events, etc)
3) you present it as you will always be working forever and shitty hours. Yes, I wouldn’t want to work crappy hours at 40 for the MD pay, I agree with that, but there are many other paths in life than just that.
When you get to 30 you’ll realize (if you take care of yourself) that you feel the same as you did at 25. I waited to have kids until mid 30’s (and didn’t really make “big” money until early 30s), but even now, we travel a bunch with the family. Go get to see the world, enjoy life, etc. Now I went into HF route so my work life balance is much better than the MD path.
Refreshing to see this post in contrast with some of the general nihilistic undertones on the forum. Early 30s here and loving it.
Plus people are implying that once you hit 45 your body literally can't handle any travel because you're too frail and injured. I know people in their 80s who still go on international trips regularly. Plus, when I'm older I'm going to be doing the same things when I travel as what I do now, do sightseeing, go to museums, attend musical performances, etc. nothing particularly straining.
Completely agree, I travel internationally about once a month and, as mentioned, I’m almost 40. When you start making money the travel is easy; business class, nice hotels, go sightseeing, private tours if needed, and can travel with parents/nanny/etc so get to spend time with kids and have adult time too. Money doesn’t buy happiness but it gives you a lot of freedom, especially when talking about having a family.
I turn 45 this year. I am certain that I can kick any of your butts on a huge climb on a mountain bike and absolutely thrash you on the way down. I weigh less than when I graduated college due to less lifting. I’m still pretty fit and work out daily. I feel fine. I was less healthy at 28.
Is your HF hiring?
Yes, we normally hire on a relatively standard schedule (depending on senior vs junior role), but are usually looking at resumes throughout the year. Unsure if you are looking for an “in”, but the fund I work at is well known enough that you would be able to apply through standard channels/recruiters (not one of those you have to know 5 people and a secret handshake to get your resume looked at).
Since you're edging towards 40, would you say you still feel the same as you do when you were 25 mentally and/or physically?
Absolutely, honestly better than I did at times when I was in my 20’s, partially because of the amount of time I have to dedicate to my health (even with a family).
I workout about 90 mins a day (I’m arrogant but I’d challenge most 20 year olds in sports), I am able to have dedicated time for my health (including sport massages, etc) and I have been able to use time to work on my mental side too (time to take classes on subjects that interest me). I also think that when you have time to unplug and get involved in things outside of work (physically and mentally) you increase your productivity (learn new things but also more energized for your work). Additionally, the stress is also much lower as I feel financial secure and am not rushing to meet deadlines.
I can’t stress enough how great this age is if you take care of yourself, but that is usually at odds with IB. Having money, time, and feeling great physically and mentally feels nice.
Yeah I find the whole "your prime is 20-30" overblown.
Is it the prime for most people? Sure. If you were to put it on a scale, I think your 20s would score a "10" whereas maybe your 30s would score an 8, maybe 9 (assuming you're being conservative here and really only measuring prime on the basis of how much utility you get from traveling and high intensity adventure. This completely ignores all the joys of a lifelong marriage, children, growing a family, etc.).
I'm sure many people, including OP, view their 20s as a 10 and life post 30 as a 1 or a 2. If that's your perspective on how much joy you may get later in life then yeah I might agree with some serious consumption smoothing into your 20s. I think this was, in part, perpetuated by a generation that truly worked their bodies to a fucking bone by the time they were in their 40s and 50s (think typical blue collar). Definitely not the case these days.
Wow, I understand anonymity is important to you.
Is there any way you could please expand on your workflow given that you took the HF route?
Hearing from others and being on a smaller team myself, it seems there is a notion that the HF path is considered an unstable 24/7 around the clock grind.
23 y/o thinks life ends after 30
At 30 you have not even reached your peak yet, and you're saying its over?
was in lower paying industries until about 29. Outside of company match 401k and contribution to rainy day fund i essentially operated at zero and had a ball. I do not regret it one bit - would 30-50k in a taxable trading account really make up for the trips, festivals, and memorable nights out? never
Did you do an MBA? Curious how you made the switch to something much more lucrative in your late 20s and what your path was like starting post-undergrad.
found a niche credit underwriting seat that had zero brand cache and bottom quartile comp but the right skillset.. scratched and clawed from there
I don't know if some people that say things like OP do not have parents or something, but personally, a big reason I think money is important is so you can easily take care of your parents.
My grandma has dementia and we can afford more care for her at home, so she doesn't have to waste away at some institution... Sounds like a pretty good use of money to me.
Salute to that 🫡.
Best time does not mean other times aren't good to have money. MDs ponying up for some really cool vacations in their 40s and 50s are still enjoying them.
Really interesting thread, any other older monkeys able to chime in on regretting spending too much/too little in their 20’s?
I am trying to save a lot to be able to buy a house and not be tied financially to banking/finance later on. Additionally I think saving a lot (or just being frugal and smart about many expenses) gives a lot of optionality later on in life- I don’t know what I’ll want the opt optionality for yet but I think it’ll be worth it.
(also want to know if I can justify buying a Seamaster with the blue wavy dial too lol)
It’s a pain in the ass to coordinate schedules after college. I don’t know anyone that has taken an extended vacation yet outside of honeymoon (2 weeks tops)
unless you’re mega hardo and go sweaty PE you can absolutely take killer vacations 2-3x a year (summer / winter)
if you’re half decent at investing (or using the 5% CDs and savings accounts available rn - you can get a Seamaster off the interest in a savings account)
P.S. google gray market watch pricing bc nobody pays list for an Omega - have seen those at $4k new with warranty
lol yes your life is over at 30. just take out all the loans you can at 23-29 and let it ride on black. u won't live to see another day anyways.
I think you accidentally answered your own question and it's not the answer you were looking for. The best time to have money is when you have a family to take care of. Before family, money is just a nice fun to have thing and an ego thing. When you have a family, it is a NEED TO HAVE thing. So, yes, the best time to have money is probably after you have kids.
Imagine a scenario where you drive a Porsche when you're 25 but can't afford to send your kid to college later....yeah 25 is not the best time to have money.
Hard to get motivated when financial aid would be able to take care of my kids if needed in todays society. Either you pay 80k college tuition or your kids get a full ride, not many kids are unable to attend college if they have a decent SAT score nowadays.
A good SAT score is money too these days. Good luck to your kid getting a great score competing against kids going to $40K per year private schools and getting private SAT tutors that you can't afford since they were 12. College is stupid competitive these days for the best schools.
Side note: If this is your game plan for life, probably time to stop reading WSO.
Arguably though, these things phrased as needs are really more wants. I know it’s normalized among the coastal / Wall Street set, but most parents are not paying cash to send their kids to college - that’s why we have a student loan bubble right now. I’ve been consistently shocked by the degree to which parents indulge and subsidize their adult children here (while considering themselves “middle class”). Once you get away from the northeast corridor, it’s no shame to have your kid pay their own way at a state flagship school assuming they’re smart enough to get in.
While I agree, my thoughts are similar to my to comment on analyzinganalyst's post above. If your dream is to be in the position to send your kids to the local state school, you are probably not reading WSO. About 80% of the people on this site are trying to get to that NE corridor.
In fact, if your only dream is to have enough money so that your kid can get a student loan for the local state school, you probably will have no significant wealth at any point in your life - young or old - so not worth debating about which time is best to be wealthy.
I come from a very fortunate upbringing, but my parents largely hid from me till I was around 18. I was able to drive nice cars and wear nice clothes throughout highschool, and additionally I was able to pursue so many hobbies and develop interests since we weren't financially restrained. In my early 20s being able to focus on being fit and dressing well, going on nice trips and dates, etc has all made so many fond memories in my life. My dad has worked his ass off forever, and he is happy when I and my siblings are as well, but he doesn't have a ton of hobbies since he just worked his whole life. On the downside I think I value money a lot less than I should, and end up spending hundreds at the bar buying shots for friends more often than I'd like to.
Personally, I've largely become jaded to designer goods and watches, sports cars, etc because I think I the distant allure of it that I once had faded away once things like that became easily available. I find hobbies much more fulfilling these days.
What hobbies do you have that you don’t think you would have been able to pursue without the upbringing you had?
do you feel comfortable spending money when you have debt and no savings? like I could live a fun life if I wanted right now, but I just can't enjoy spending money knowing that I have debt and barely any savings. I would be happy to spend money that my savings made me.
but I definitely agree that working 24/7 just to pay for kids education, a beach house that you see for 6 weekends a year, and a 10 day vacation per year is a miserable life.
I'm wondering whether I'm the only under-25 here with massive student loans. And after having to take one such a debt, I would definitely want to get to a big reserve fund for any unplanned but necessary expenses in the future. Assuming I'd be 30 by the time these contingencies are in place.
Through a combination of having grunt analyst/associate positions that did not pay well and balling out on vacations, dinners, going out, and expensive cars, I had $0 to my name at the age of 30. I'm now making good money and save like a responsible adult, but wouldn't give up those experiences for a meager savings account.
But you're not in that situation, are you? Because you did your SA only two years ago. You're actually on the other side grinding away, but trying to ask for advice in a weird way. Well I don't know, honestly in my 20s, I never really needed money to be happy, I always thought the point of the money was for later. But the truth is, a lot of people get caught up in a rat race where there's never really enough money. It's definitely something you should think about. Because what you want to do between 18-30 you can probably do without money. The question is what you want to do when you're 30-50 and how much money you need for that.
Yeah, you must be old enough to experienced being rich after 30.
I am indeed well over 30. What I'm saying to you is you will have to account to yourself later why you did what you did in your 20s. Often with the money ends up coming responsibility, not freedom. Actually having no money can offer a lot more freedom, since you don't have to worry about losing money. What you're worried about with no money, is that you won't have enough later. The talk of traveling doesn't really do much for me, I've traveled my share and it was actually more fun with no money. Working like crazy so some day you can take a luxury tour somewhere, that isn't what I'm about. In fact actually using money in a fun way is more complicated than you might think when it's a lot of money.
But that said frittering away your time at the bar and arriving at 35-40 with nothing to show doesn't sound great to me, and there are many of these people around, and they start to act nuts. The other thing I've learned is that there are actually a lot of ways to make a lot of money that don't involve working so hard in your 20s. And there are plenty of people that don't make quite so much money, but they don't really care. So if you really don't think it's right for you it might actually not be.
In an indefinite world, according to Thiel...
Process trumps substance: when people lack concrete plans to carry out, they use formal rules to assemble a portfolio of various options. This describes Americans today. In middle school, we’re encouraged to start hoarding "extracurricular activities." In high school, ambitious students compete even harder to appear omnicompetent. By the time a student gets to college, he’s spent a decade curating a bewilderingly diverse résumé to prepare for a completely unknowable future. Come what may, he’s ready—for nothing in particular. ...
Instead of working for years to build a new product, indefinite optimists rearrange already-invented ones. Bankers make money by rearranging the capital structures of already existing companies. Lawyers resolve disputes over old things or help other people structure their affairs. And private equity investors and management consultants don’t start new businesses; they squeeze extra efficiency from old ones with incessant procedural optimizations. It’s no surprise that these fields all attract disproportionate numbers of high-achieving Ivy League optionality chasers; what could be a more appropriate reward for two decades of résumé-building than a seemingly elite, process-oriented career that promises to "keep options open"? ...
While a definitely optimistic future would need engineers to design underwater cities and settlements in space, an indefinitely optimistic future calls for more bankers and lawyers. Finance epitomizes indefinite thinking because it’s the only way to make money when you have no idea how to create wealth. If they don’t go to law school, bright college graduates head to Wall Street precisely because they have no real plan for their careers. And once they arrive at Goldman, they find that even inside finance, everything is indefinite. It’s still optimistic—you wouldn’t play in the markets if you expected to lose—but the fundamental tenet is that the market is random; you can’t know anything specific or substantive; diversification becomes supremely important.
In an indefinite world, people actually prefer unlimited optionality; money is more valuable than anything you could possibly do with it. Only in a definite future is money a means to an end, not the end itself.
It just depends on who you are as a person. If you are slaving away in IB or PE just for money and you hate what you do, you are probably going to look back later on and question it. However, if you really want the "upper class" level of living, this early start might be worth it. A lot of people that make it farther in high finance are people that either enjoy it or get some sort of satisfaction out of it. I would think that the best time to have money is honestly 25-40. Although maybe you don't have much time in your 20's, you will be set up to retire in you 30's (if you live modestly and structure your life around possibly cutting income) and give yourself the time/stability that others who didn't grind in their 20's might not have.
All this to say that it depends for every person. I would prefer to set a strong financial base while still maintaining a little bit of balance in my 20's with the intention of having the option to retire or take a pay cut in my later 30's if I don't have enough time.
In the finance industry, there can be a culture of long hours and high pressure to perform, but it's important to remember that not everyone in the industry follows that path. It's possible to find a balance between work and personal life, and to prioritize things like family, health, and personal passions. Additionally, it's worth considering that financial success can provide opportunities and resources to pursue other interests and experiences later in life. While it may be challenging to balance work and personal life in the earlier stages of one's career, it's possible to make choices that align with personal values and priorities, and to find fulfillment and enjoyment in the journey.
Wrong, for the simple fact that men hit their stride AFTER 30. Financially, physically, socially.
Your 30s should be a better decade than your 20s, or you messed up along the way.
Yes, this is true of all men. No, not all men capitalizes on this and they mess up their bodies in their 20s.
In this case do you mind if I am born again rich with your family’s money? i really want to enjoy life too.
Every other week there is some whiny post like this from some kid with zero life or work experience.
Is having money when you’re young cool? Yes, thanks captain obvious.
But this bizarre take that when you’re older and have a wife and kids your life is just a grind…wtf are you talking about? If getting married and having kids only sucked, guess what? No one would do it. Have you ever considered that some segment of the older male population wants that? That finds enjoyment of chilling with their wife and kids rather than “balling out”. I honestly don’t even know what that means anymore. Spending money lavishly on what exactly?
And here’s a secret for someone as immature as you.
When you get older and have money, there will be no one forcing you to get married and have kids. There are plenty of men out there who stay single forever. It’s hilarious to me that you just assume marriage and kids are a forgone conclusion for you and life ends with a private school payment.
I wonder if I was as dumb and arrogant in my early twenties.
Probably.
Probably not. I've found that when I talk to people that were "balling out" earlier in life, they were really not that happy. That period is really the grind, no matter what you do. But it's also the time you can choose who you want to be. Once you're on the other side, it's too late to figure that out. Spending on what? Exactly. You'll see that having stable relationships, people who care about, is a pretty worthwhile endeavor that many folks on wall street fail at, and they end up getting older, lonelier, and more eccentric as friends leave them behind and they cannot participate in new social structures that are forming among people with families.
Please tell me you’re at least saving for retirement. But yes as long as you’re saving for retirement you can technically save nothing else, although I personally wouldn’t. Experiences are great but I think there’s a point where it’s overrated and I’d rather save money so I can enjoy life a little when I have kids and not have to worry about how I’m going to pay the mortgage. You’re operating under the assumption that everyone on here will make MD and live a grind where you pay massive private school tuition. News flash: the vast majority of people on here will not make it to MD. I was a top analyst in my class but decided to leave for the corporate world because I wanted a better work life balance, but everyone has different goals. Don’t start making plans to be an MD until you’re at least a VP and have some more life experience. It’s a grind all the way to the top and very few people make it, but you don’t have to live that lifestyle. Being in the corporate world I have a very good work life balance with a normal 35-45 hour work week, but I’m still thankful for my analyst years where I learned a ton but glad to put that behind me
How many years did you do in IB before making the switch to corporate and what does your role entail (corp dev, fp&a, etc)? How did you feel about the paycut at the time for the WLB (assuming in NYC) and the comp progression onwards?
2 years in IB. Work in FP&A. Not in NYC but in low - mid COL city (e.g. not NYC but also not in some midwestern town). Ngl FP&A can be boring sometimes but to me it's worth it for the work life balance and comp is still pretty good for me. TC is $135k including bonus, stock, etc. Progression is slower too but sounds like I'll be up for promotion next year which then TC should increase to ~$160 - 165k.
It's interesting to see posts lamenting that the only way to enjoy money is to be born rich- and then the conclusion drawn is that we should spend all our money when young and "die with zero". These thoughts also often times come from the people who chastise the boomer generation for living large, protecting their money, and then reverse-mortgaging their home to squeeze the last bit out before leaving nothing to their kids. Vicious cycle.
The conclusion is never to build a better life for your kids and progeny, to "be the one" who sows the first seeds of a dynasty- it's to screw unto others before they screw unto you. Sign of the nihilistic times we live in.
Nobody said they should die with zero. Just that you shouldn’t punish yourself and live like a pauper when you’re a young high earner.
Being able to provide my kids with a good education, home in a safe neighborhood, good college experience where they don’t have to work on top of classes, can study abroad etc. is obviously important. But you don’t need to be ungodly wealthy to do that. You just need to have your ducks in a row. I’m not trying to leave my kid with $10 mil - would prefer to give him the tools to make his own millions
Someone mentioned the book "Die with Zero" (although saying they did not agree with it). Similar thoughts are laid out in "4-Hour Work Week". I don't advocate living like a pauper, but I recognize that with compounding, every dollar saved in your 20s is multiplied 10-14x at 65. That multiple drops pretty quickly (to high single digits in early 30s, mid single digits in late 30s).
I certainly want to give my kids to the tools to succeed. One big tool is having a safety net to take chances on starting or buying a business. The more I interact with business executives, the more I realize that if you have a top 5% IQ, your success comes down to luck and experience. It seems that a top 5% IQ person can get into any business and will, on average, do well. But those of us (myself included) who can't afford to fail don't take the risk.
Obviously, I'm trying to raise my kids to have character. I'd strike a balance between giving them enough of a safety net to take risks, but not the expectation that an inheritance means they don't need to work. I think the key is to instill the same lofty ideals- providing for their progeny, building influence for the good, building resources in order to become a steward of art, culture, etc.
At OP, I think I get what you're saying (almost a two part question), I'd present another example (crude in relation and topic):
Say someone granted the power to you to have three years of your life where you were very attractive to the other sex, you can pick the three years, but outside of those three years, you're a hard 3, but you live your life like normal (work a job and such). What three years of your life do you pick? Some would instantly say high school, some college, some at 25, others at 35 or 40. Everyone who picks any age can debate their point, that's fine.
Point is, different people want different things at different points in their life. So asking when is the best time to have money, it depends. Some people want to provide a super cushy life for their family, some people want a big family; others might just want to ball out in their 20s and then whatever happens, happens. Some have to shop luxury, so they need a high income because expenses are high.
Really you just have to ask what the money is for. Partially, as you said, freedom; but as it good through life it means somewhat less and less. Think about high school or college, thinks you thought about then that were the holy grail probably aren't even on the radar now. At 25 you might want to be a multi-millionaire and thats all you strive for, thats fine. Other, maybe at 35 they want a good marriage with kids, others at 65 they want to be good grandparents, others they want to be healthy at 80. Others, just want to work crazy hours, party hour, and don't care how they end up, that's fine too.
So is 18-30 the best time to have money, idk, all depends what is important to you.
I worked my ass off pretty much all of my 20s on the sell-side going through the same motions as the OP. Why work so damn hard?
Fast forward today, mid 30s now, I'm so glad I did. I still have a demanding life and job, yes, but it's more enjoyable at a more senior level. Pay is better, work life is better. You can navigate work politics better. I'm happily married. I can comfortably pay for my kid's private tuition and own multiple homes. We did two big fancy vacations in Europe last year. In fact, giving my kid the top tier education at an early age that I did not have growing up in a poor, developing country is one of the biggest joys of my life. It makes 'slaving away' all worth it.
Could I have maybe enjoyed my 20s, the 'best years of my life' by quitting banking earlier? Maybe. But as an ultra type A person, I am not built this way - some people are born with higher drive and worth ethic, looking at a longer term perspective. Also, imagine if I started my career out of school making six-figures only to take a 50% paycut so early... IMO it's better to take such steep cut later in your career than early in your 20s, when you probably should be working your ass off. I look at my friends who did stricly 9-5 in their entire 20s, who are mid 30s now and just now starting to break six figures in salary, have no real assets other than cash, not satisfied with their career trajectory etc.
TDLR: there's no short cut to life and you really do get what you put in. BUT, this is all relative and experiences will differ person-by-person.
Ever heard of compounding?
Best response on here
Yep. My thoughts exactly. Hardest working dollars are those I invested at 22. I’m glad I’ve kept foot on gas pedal these past 10+ years. I want to set myself for future so if I get fired tomorrow I’d be ok. I plan to keep this mindset until I’m 40 and then reassess where I am.
By the time value of money the best time to have money would be yesterday or today (it’s a bit late)
Life is balance - it’s a phat blessing to be able to have discretionary income in your 20s/30s to both have a blast while young and also save/invest a significant amount to capitalize on the compounding and set up your future. There’s a very enjoyable middle ground that we’re fortunate enough to access between blowing your early income on fancy cars vs. hoarding away every cent to not live life and seek fun experiences til you’re 40+. You can’t buy back time. Go find what that middle ground looks like for you.
Don't forget about the time value of money concept the universities kept telling us about.
All of the richest people I know with the coolest lives are in their 30s-40s lol
Few people can actually live a high flying lifestyle in their 20s without family money
Best time to have money is when you're still a sperm in your dad's ballsack
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Animi odit eum odit sed aperiam iusto enim. Veritatis enim perferendis quia commodi. Eos vitae et expedita aliquid vero.
Dignissimos autem sunt temporibus ex nemo facilis consequatur. Velit error nulla quia atque consequatur exercitationem. Dolorem tempora recusandae nam ut pariatur minima molestiae. Accusamus enim temporibus nihil. Modi voluptas et illum commodi.
Distinctio et id aspernatur qui ut repellat aut. Expedita et recusandae pariatur et veritatis sed. Tenetur ex quia ex fugit nihil repudiandae quia. Facere qui aut beatae et accusantium.
Possimus reprehenderit ipsum consequatur unde. Provident eos qui in modi. Officiis et exercitationem alias laborum nihil minima labore. Deleniti eos voluptatum voluptas est sint quae.
Quam quasi et non similique est. Harum qui adipisci non sequi. Dolores recusandae doloremque quae quod necessitatibus et. Sed explicabo autem cupiditate voluptatibus est ut harum.
Rem velit officiis et ipsam blanditiis illo quae. Ipsam repellat ea omnis et. Labore eaque nobis sapiente autem doloribus et provident. Repellendus velit ipsam odit porro et molestiae enim. Hic quisquam est beatae illum.
Hic dolor a eum consequuntur cupiditate. Qui odit et enim fugit quo. Deleniti a architecto nisi. Suscipit doloribus nihil autem vel facilis ut distinctio explicabo. Dicta veniam recusandae et dolor.
Neque consequatur tenetur itaque architecto deleniti vero quia. Et saepe dolor quis ducimus quos magnam. Eos nobis nemo necessitatibus corrupti nesciunt. Enim doloribus delectus officia voluptas labore. Quod non porro ducimus cupiditate.