Growing up sucks

Seeing this girl, we were joking around about when all the girls were going crazy about the Twilight saga and decided to re-watch it together.

Watching the movie triggered this rush of memories for me: the last time I saw it was 10 years ago, the summer before college. I was into rowing and dating this girl at my club who was really into Twilight; she made me watch all the movies before we went to watch the latest one at the cinema. 

All I remember about that summer is waking up most mornings and getting out on the water, having breakfast at her house after, putting in a few hours at my chill part time retail job, going to the beach, sneaking BJs on the couch in her parent's basement, spending time with friends and family, just enjoying the sunshine and really living life. After some serious thought, I don't think I've ever been properly happy like that since. 

Sure, there still good times, and there's nothing about my life I can claim as unfortunate, but it just feels like every year on average gets worse. I don't think I need to spell it out for anyone here: the pressure starts in college, picks up when we start working and doesn't ever really let off. Even time off (which doesn't always translate to actual time without work) is punctuated by a looming feeling that it's only temporary, or at the very least that you should be doing something productive. On top of that, the physical degeneration is real: even little things like having to watch what you eat to stay in shape (I ate so much fast food that summer and still had abs, like God damn). 

I can't help but wonder what we're all desperately fighting for: bigger paychecks are great and all, but unless they're big enough to grant a very early retirement, they're never going to be able to bring back the way I felt that summer. 

Not a hot take, or a productive read, but maybe someone can relate. 

 

This isn’t meant to be mean, but just honest... Dude, quit being a bitch. In 20 years there will be 100 more reasons why you want to go back to this very moment in your life. And believe me you’re forgetting how imperfect life was back in that summer - it’s something we all do when looking at the past. I’m looking out my window right now and it’s a beautiful summer day. Those days are happening now my friend. Do you really want to spend that same time bitching? 

 

In 20 years there will be 100 more reasons why you want to go back to this very moment in your life.

I agree entirely, and that's because all this pressure and responsibility is just going to keep growing. As someone else commented, wait until I get married or have kids or whatever. 

Don't get me wrong, I have a good life. Still go out and enjoy the sunshine when I can, keep active, whatever. It's hard to articulate but now, it just constantly feels like if you're not working towards something you're going to miss out.

 

Man I came back to this thread as I was really getting the feels (going through a not-fun moment right now) and tbh it just hit me again on this concept of how there's this pressure to 'keep growing up.' I think what really separates post-college life from everything pre is that you no longer have a defined path. As a kid you had elementary school / middle school / high school / college...with all this great stuff in between from your first crushes to shooting hoops with friends after school to playing video games to smoking your first joint etc. It's all these amazing magical moments that I think we took for granted at the time, though perhaps that's what made those moments so magical in the first place...thinking they'd never really end and the future was always brighter than the past. Post-college, everything changes after you being work. Before, the responsibility from your parents to you was much more balanced -- it was a slow shift over to you. Maybe 99% parents / 1% you in elementary school to 80% parents / 20% you in middle school to 60% parents / 40% you in high school to 40% parents / 60% you in college. All of a sudden post college it's 100% you / 0% parents. There's no one to really fall back on for the shitty decisions you made (don't get me wrong, if you have good parents they'll support and help anchor you but you're the captain of your ship).

And after school people made all sorts of different decisions that branch off in a ridiculous number of paths. From studying abroad for grad school to AM to starting a business to getting married (whether right after school or 3yrs after school of 5yrs). And what makes it so confusing is that the feedback cycles tend to be really long -- you have no idea whether whatever decision for them or for you was right, and you won't know for a very long time (your friend who got married at 25 might be divorced 5-6yrs later or might have a marriage that lasts a lifetime). But all you know is that everyone seems to be pushing forward and taking more responsibility (though you don't know if that was the right or wrong decision) and there's pressure to push forward with your own life. Even at work, you strive for higher comp but this also comes with higher responsibility....which takes away more of your free time and the 'magic' that comes with it. I guess one of the amazing things in being younger is despite some level of structure you had way more free time and this created so many possibilities. I'm realizing that promotion that I work for will only take up MORE of the free time which I feel already isn't enough. And the free time you do have doesn't mean as much if you have no friends to spend it with...even if I quit my job today (and had $2ml in the bank), what in the world would I do? I could take 6 months off, but who would I spend it with? We're not all on synchornized summer vacations as we were in school. Anf after 6 months? My guess is everyone else moves on with their lives while you just pissed away 6mo doing nothing that took you further along

Brofessor mentioned it and I'm increasingly finding it to be true but to make future years really good you have to strive towards self-improvement. Feeling like you're stuck / staying still is going to make all of this stuff terrible to deal with as time goes on. Whether that's losing those 15lb & getting in shape or finding a nice girl to build a future with vs. looking for hookups with thots or whatever else, you just have to do it. You never really 'had' to do so much or work so deliberately while you're younger so it's a bit of a shock for people post college (myself included) but I think if you want a life at 40 / 50 / 60 / 70 where you're happy / content it's what you got to do. Which isn't a bad thing by any means, lot of it can feel really rewarding. But I think this is the key

Realize the above is a ramble but honestly also cathartic. It's been a yr since you created this topic, I'm curious what your thoughts are now having read all of these comments and having 1yr of perspective now. Any updated thoughts / conclusions you've come to?

 

Yup you can work hard now to build up a life where you can chill and do whatever you want in your later years (and that includes watching teen vampire movies if that’s your thing…) or be an old wrinkly dude worrying about money and kicking yourself for not being more responsible when you were younger. It’s not rocket science

 
Most Helpful

Hey Prospect, this isnt meant to be mean, but keep your mouth closed when you cannot relate at all to OP. You haven't been slaving away for years (or even months), so you do not realize how spot on OP is. You can have a good job making great money, an amazing significant other, and life STILL ISNT the same. On paper my life seems amazing; I have a high paying job, get 2 full weeks off each year, have a gf I love, and an amazing group of family and friends. All good right, life is what you make it? Well only to an extent. 

Life is fucking exhausting. Like all the time. When you work 70+ high stress hours each week and your weekends are comparable to most peoples 9-5s in terms of hours, joy is harder to find. You cant just watch a fucking Ted talk, take a week of work and find yourself as you try to summit Everest.

You have to keep working so you can grow your 401k and save for a down payment on a future place. You have to think about your parents retirement, and if they can afford it. You have to think about your friends who haven't excelled after college, and evaluate just how serious their drinking problem really is. All that to say that as life goes on, stress levels skyrocket, problems become more severe, and free time dwindles to just a few hours here and there.

Thinking back to a simpler, happier, stress-free time is only natural. Yes, maybe OP is overlooking some of the rain clouds that accompanied his teenage years, but regardless, he has perspective now. I would kill to go back in time and to be a compete degen again for one summer, just drinking smoking and chasing girls. 

The problem with your "put on your big boy pants and suck it up" response is that you cannot in fact relate at all to OP. Work for 2-5 years in a high stress job and then revisit this post. Thx

 

Dude the amount of times I've thought "I wish I could go back to when I was starting high school & relive the next 8 years" is absurd

Similar to you, on paper life is great. I'm in a pretty high paying job working 50hrs per week & good group of friends and fam. But on other hand, the other stresses just build up. Worrying about the state of my parents' marriage & a friend who increasingly tends to isolate himself from everyone. Worried that I'm now in my mid-20s and not in a serious relationship but would like to start one - will I find the right person & will it all work out? And even if it does, then you have the stresses of maintaining that marriage & raising your kids well. It never ends 

I remember those idyllic summers where I'd just play like 6 hours of Age of Empires / Rome Total War, chill with friends and read. Yes there were worries about college but aside from that it was low-stress. Would kill to relive high school & college again, would probably do a bunch of things different & cherish that time even more. That said, I had quite a good time in both high school & college so I can't really complain, but would probably try a little less hard & try to have more fun

 

Agreed to the above. Would like to caveat that I actually very much appreciated my consulting years post mortem, because, the misery I endured made me able to internalize what I need to be happy, which isn't much fortunately.

As a side note, bud if you're still in consulting, would highly HIGHLY recommend exiting into Big Tech. It's stupid good. I have almost a month of vacation, there's a hilarious amount of subsidies and perks (no joke, better than when I was in MBB), and equity $$$ is very nice. Seriously my guy, your post gives me some PTSD - get out lol

 
Controversial

Dear god you're an absolute pussy. Anyone wondering why the West is losing its edge can just look at OP: males have become effeminate; they want to remain children forever because they fear responsibilities; they crave idleness and childish innocence.

No wonder the Taliban are making a fucking joke of us in Afghanistan

 

Monkey sh*t notwithstanding, there is some wisdom in your comment. Thank you for posting it. Longing perpetually for "childish innocence," as you said, and remaining forever in a state of perpetual adolescence in which one expects to be coddled all throughout life, unable to face any modicum of hardship or responsibility without breaking down--this isn't what nature intended for us. The result is soaring obesity, a massive surge in people going into debt for useless passions, job openings without skilled labor to fill them, enormous entitlement, and a complete lack of accountability for anything.

 

You’ll feel that way again if you’re ever lucky enough to fall in love, like truly fall in love. I think so many men cheat because they had to settle. Some are just born scumbags and would cheat no matter what, but so many of my friends had to settle. I think life sucks unless you have a great wife.

 

Quit trying to justify your buddies cheating by saying “they had to settle”. Nobody is forcing them to get married to said women (at least in the western world) and its no surprise that there are only so many nice, loyal 10s. Maybe those obese guys who work long hours and are never at home with grouchy:tired personalities should actually look in the mirror and realize that the 6/7 isn’t “settling down”. It’s a blessing given what they have. Far too many guys feel they are entitled to a nice loyal supermodel without even once looking at what they bring to the table. 

Array
 

I don't think people cheat because they settled. I think people cheat because they have lost all different sorts of connection with their spouse/partner, and they have lost the "fight" in their relationship/marriage. And yes, marriage is a commitment that requires both partners to have the "fight" in them to care. Fighting is actually good (assuming it's not physical or toxic). The worst is when two partners merely coexist under the same roof, raise their kids as platonic acquaintances that have learnt how to get by together, and have no physical nor emotional connection with each other anymore (with the latter mattering more). That is what I call mid-life purgatory.

 

Also a rower back in the day and I hear you, sometimes it's nice to imagine going back to those simpler times when it was just work out with the team and hang with girls. Especially with all the shit show of the past year and a half. Just gotta keep chugging forward and try to figure things out, there's many more memories to be made. 

"The obedient always think of themselves as virtuous rather than cowardly" - Robert A. Wilson | "If you don't have any enemies in life you have never stood up for anything" - Winston Churchill | "It's a testament to the sheer belligerence of the profession that people would rather argue about the 'risk-adjusted returns' of using inferior tooth cleaning methods." - kellycriterion
 

COVID has definitely compounded everything; I just moved to this city six months before lockdown hit, and my office has been WFH ever since (17 months and counting). Would be nice to be able to just go out for drinks with and get to know other people on my floor, or get back into some EC stuff. 

But you're right, just gotta keep on keeping on. 

 

Right there with you. I'd been in an office for barely a year before it all happened and been remote ever since. Have since moved to a new firm where none of my colleagues are even in the same time zone. It's a weird way to start a career, but I'd much rather be in finance than just about anything else other than maybe tech given current times.

"The obedient always think of themselves as virtuous rather than cowardly" - Robert A. Wilson | "If you don't have any enemies in life you have never stood up for anything" - Winston Churchill | "It's a testament to the sheer belligerence of the profession that people would rather argue about the 'risk-adjusted returns' of using inferior tooth cleaning methods." - kellycriterion
 

I feel this post very much. It’s usually music that will bring me back to highschool days when things were easy and care free. Although it’s hard to complain when we are all in very privileged positions, those days were some of the best ever. Don’t realize how fast time flies until you sit back and reminisce. It’s all just part of the ride, man.

 

Yep, I have very strong associations between music and specific periods of my life, both good and bad. Especially back in those days when I had a car so I always heard what was on the radio - back then I remember Calvin Harris, Ed Sheeran, Example and Rihanna were playing a lot. 

I know you're right, it's all part of the ride and all, I just wish I had something to look forward to that didn't involve say, moving to the next rung on the corporate ladder or whatever. I just want some real time to just breathe and not give a shit about anything, but I don't see any way to do that without closing doors. 

 

society has been set up to be ultra efficient, but in a way that is mechanically oppressive for how humans have evolved. Hemingway's mechanical solution for this was to get plastered every day lol. I personally like growing up, but sometimes I'll go on a nature wall and question everything.

path less traveled
 

I was in confined in systems or institutions from 1982 - 2010. Then I finally left the structure and can now do whatever the fuck I want. 

#nolawswithwhiteclaws

Vegas in December —- let’s gooooooo

#TrumpInternationalHotel

Growing up is amazing. I had a good training week this past week and worked out for 30h 2min. Did a Sunday century on the indoor trainer (101mi). #getsome

"If you always put limits on everything you do, physical or anything else, it will spread into your work and into your life. There are no limits. There are only plateaus, and you must not stay there, you must go beyond them." - Bruce Lee
 

Disagree OP. Growing up gives meaning to your life, therefore strive to have a meaningful life AND a happy life, because sometimes doing what's right and good doesn't necessarily associate with laughs and "chill" hours.

Yes, it's important to have good friends, to have a partner, to have a good periods as the one you presented in your post. But also it's important to understand that you should strive to give meaning to what you do. In my view, as a man growing up, you should fill fulfilled when you can provide for your family, when people can rely 100% on you, when your voice is heard and respected in a community, when you are a model for your children and for other children growing up and so on. Children don't have responsibilities but men yes, therefore embrace your manhood. 

Also, as I understand one big problem may be your current job. Easily put, find another job which suits the lifestyle you aspire to have. You don't need six figures on your card to have a happy life, just change the lenses with which you see the world and that's enough to put a smile on your face.

 

Askhanar

Also, as I understand one big problem may be your current job. Easily put, find another job which suits the lifestyle you aspire to have. You don't need six figures on your card to have a happy life, just change the lenses with which you see the world and that's enough to put a smile on your face.

I like your sentiment, but our generation is screwed. Everything is becoming increasingly expensive nowadays. Not sure you will be very well-off under six-figures. If you wanted to "provide" for your family or children too as you mentioned that just won't be possible. I also fear returns will be shit in the future for our generation. I think for us it's either take a huge risk and be financially set or be miserable quite frankly. Have been considering taking all my investments and cash and then taking an additional full margin loan to just go all in on a crypto or something. Rather die and have that slight sliver of opportunity for freedom than live like this.   

Also can't even count on my hands the number of seniors who've told me they sucked at school, had sub-3.0 GPAs, and just partied away when they were younger, where as today that won't cut it in the slightest. You won't even get a single foot into the door as a candidate if you are not very strong on paper at least. Far more competition. And then they have the audacity to turn around and call our generation "soft" or spoiled when they would be frankly flipping burgers if they pulled their younger behavior in today's world.   

 

I know it's pointless to think like this, but the pressure to provide even for yourself today, let alone a family, is infinitely higher now than it was for previous generations. 

My grandfather dropped out of college and walked into a white collar job at GM. By his mid-30s he had paid off a four bedroom house, ended up retiring in his mid-50s on a defined benefit pension plan with a redundancy cheque large enough to buy the 1 acre property he lives in now. He jokes around about how on Fridays the main job of all the secretaries in his office used to be to order oysters for everyone to be shipped in from wherever had them fresh. 

My father got kicked out of high school, was way into drugs for a few years, ended up walking into a job in the air force and then becoming an international airline pilot for 3 decades. 

If anyone followed either of their paths today they'd end up borderline unemployable. And even if they did do everything right, there's a good chance they'll end up on this forum trying to hustle their way into something. It feels like we constantly have to be either working hard or upskilling just to keep our heads above water. 

 

This world is getting more competitive every day. You'd think globalization would make everyone richer, but it made people poorer. Money didn't fall into the pocket of employees - shareholders have been the ones to benefit from it. Globalization just increased the number of people fighting for the cake without increasing the size of the cake.

 

The rising cost of living is true on average but that’s mostly true in places like NY/Philly/SF/LA and to a lesser extent Dallas/HOU/CHI/ATL and other tier 2/3 cities where COL has soared  in the past 20 years. Get outside of these cities though and the tune starts to change real quick. While these cities are seeing tremendous population growth, smaller cities and rural areas are seeing population losses and so the COL remains low or has even fallen. I read in the paper recently that WV is paying people to move there and other rural areas as well. 

Array
 

Current job is definitely part of the problem. Working long hours for pretty mediocre pay, and am completely dependent on my job for a visa. Main upside is it's a fairly niche skill which might translate into something better down the line, but making that transition just feels like an endless hustle - CFA, grad school, networking, and waiting for one of a very limited number of seats to open. Come close to making it recently but, no dice. That said, I'm under no illusion that once I do break into what I want to do I'll be able to take it easy; there'll always be more and more and more. 

I'm not going to give up and I know this isn't productive, I'm just ranting because I had no idea life would be like this. 

 

It’s normal to seek to maximize pleasure so yeah at some level everyone fondly remembers being a carefree young person. 
 

But you have to realize that isn’t sustainable or realistic in the long term. Humans have to engage in some productive activity to sustain themselves and their society; normally that meant agriculture, or some form of industrial work if you were born at least a few hundred years ago. 
 

Now that has transitioned into sitting in offices punching data or creating pictures of on slides. This isn’t half bad in the grand scheme of things, and the things you enjoyed as a young person were afforded to you because other people engaged in productive activity, ie you had a nice retail job because people had enough money to spend, you had a house with lake front access because someone worked to afford it, and you had a girl to hookup with because she wasn’t forced into doing chores all day or into early child rearing. 

 

Op realizes that more money doesn’t equate to happiness and his happiest moments was when he was broke af. Op that is just nostalgia but you have to live in the present - you can still get those same feelings. 

 

Yeah as a kid you don’t have responsibility and as an adult you do. Welcome to being an adult lol.

But in all seriousness, the bright side of being an adult is you have more control over your life. If you are actually unhappy, change your setup. You can still be having random BJ’s on the couch and you can work a 9-5 with people who you like—no one is stopping you from doing these things. Hell, if you really are focused on just living it up, join the dink life (disposable income no kids). If you don’t plan on having kids, you can fly to Dubai, and do whatever the hell you want cause you basically don’t need to save. If you plan on having kids, well I’d argue few things are more fulfilling than raising a kid. Sure, being a kid is fun, but reliving all the childhood fun and games with your own kids is perhaps even better. Additionally, as you get older, I’m told few things are as awesome as watching your kids grow up and impact the world positively and accomplish things, because you literally made their existence happen.

Plus, you should be majorly looking forward to a wife that you actually enjoy being around rather than a random GF who you secretly knew would never be a great compatible match. 
 

The best really is yet to come—if you look at happiness charts most people peak around like 60.

 

IDK man it's not all that bad. Really depends how/where you live though. When I was in my early 20s I found myself getting a bit unhappy with my lifestyle. I was doing the normal stuff at that age I guess (partying, working etc) in living in more urban areas. I was becoming increasingly nostalgic of how I used to live as a kid (going to the beach, jumping off stuff into water, biking, "playing outside") and now that I'm almost 30 I've really started to that stuff again. Same with most of my friends. It's hard to plan a camping trip now without 10+ people wanting to come. I either go mountain biking or to the beach or fishing most days after work in the summer. I can afford to go skiing every weekend now. Granted I rarely work more than 50 hours a week, and don't make a crazy amount of money but I can still pretty much do whatever I want. I had a burrito for lunch 2 days in a row. It was awesome. So find out what you want to do and go do it. 

 

Sounds like you have a more fulfilling life than most of the people I know earning crazy money in finance tbh.

I don't think I'm quite ready for it yet career-wise, but if in a few years time I was in a position where I could find relevant work in a MCOL/LCOL place and just settle - buy the house, get the permanent group of friends (I've moved three cities in five years), own a car again and just get back into hiking, camping, the beach - basically everything I haven't done in a long time, I think that could make a difference. 

 

Keep moving forward. Those are great memories, I recall similar days, falling hard for a girl as we were just growing up. I'm telling you, if you play life right, it only gets better. Keep going.

 

Yes - taking care of a family financially is a burden for sure.

But, having children (especially your first child) is one of the most unique experiences in life. Your children will make you so happy all the time, and will remind you that it's all worth it, no matter what you are going through. Seeing them smile will automatically make you smile. It's a very magical experience, and tends to transform more people as the process and experience bring entirely new perspectives to life. Unless you are truly a degenerate scumbag, for most people, becoming a parent fundamentally change them for the better. It's a new kind of joy, different to when you were a kid, or a young single working professional working in a big city.

I miss my days as a kid too, at least most of it. But, the journey of life continues and I think looking at the glass half full will allow you to appreciate and enjoy each new chapter that life brings. Appreciate and reminisce, but don't dwell. Be in the now, and look into the future.

 
balanceofpayments

it just feels like every year on average gets worse

I used to feel like this too, and then it clicked. for at least the past 5 years, every year has been my best year ever. I firmly believe that self improvement does this, and while I'm definitely susceptible to getting kicked in the dick by life (got some personnel issues this year that could go well, or could blow up in my face), a lot of what you're feeling (I think) recedes with age provided you STAY ON THE PATH

 

Yeah I can get where you're coming from. When I think of the years I've been happiest since graduation, they're the ones where I actually achieved things. I think 2020 was a particularly bad year (for a lot of people) because all progress just kinda stopped:

1) I had to give up a full contact sport (still heavily restricted where I live);

2) CFA got cancelled twice;

3) The country I'm in (but not a citizen of) tightened it's visa policy, making it extremely difficult for me to change jobs;

4) All travel suspended (and a major driver for me to take this particular job was the approx ~10 international trips p/a in normal times).

Life progress halted on pretty much every front. 2021 is looking a bit better; we'll see how the next 4 months pan out. 

 
balanceofpayments

2) CFA got cancelled twice 

Ohhhhh noo!!!! How did society make it through the cancelling of the CFA not once, but twice?

 

Pizz

What do u mean by much better women?

As you grow older. You get the experience of what woman are worth being with in terms what they have to offer. Example, traditional or modern woman, their priorities for you or themselves. That helps in making relationships decisions and never being heartbroken like some beta male.

SafariJoe, wins again!
 

I know that there are some aspects that can be talked about. There have been some solid ways that have been seen which is awesome to see. I think that there are some aspects of growing up which is pretty interesting. I hope that people can grow more gracefully since there have been so many changes that we can see.

 

The one good thing about growing up is if you're a girl, Isaiah is no longer interested in you after you turn 16 and you can breathe a sigh of relief 

 

Stay-at-home moms are definitely not on the sidelines. Everyone can be a stay-at-home mom (or dad), but not everyone is a great stay-at-home mom. Being a great stay-at-home mom requires a lot of skills, dedication, care and organizational skills. Also, do you know how damn tiring it is always needing to socialize with other moms (or dads) all the time? Parents teachers associations, little league, etc. Or, if your kid bullies someone (or gets bullied), you need to handle it a wise way?

Work is more straightforward in many ways, and yet, the breadwinner goes home and thinks he/she deserves all the praise because he/she brings the money. It's a partnership, and shouldn't be about the money (at least in my opinion). Of course, it's a different story if the stay-at-home doesn't do a good job of taking care of the household, or spends irresponsibly.

 

Fantastic post OP. As you can see from the many replies here, you're not alone (if that's any consolation). Myself I'm in almost exactly your shoes - similar age (slightly older at 32), in PE making $250-300k as a senior associate working 60-65hrs a week on average. Bought a 2-bed apartment now worth nearly $1m with the recent surge in the housing market (outstanding mortgage is just over $500k).

So life's good right..? Well of course I realize I'm in a more fortunate situation than the vast majority of people, but just like you I find myself desperately missing my youth - to the point where anytime a trailer for a cheesy Netflix college show comes on, I get really nostalgic. Of course you always look back on memories with rose-tinted glasses, but the nice thing I loved about college (apart from all the free time!) was anything seemed possible then. I.e. myself & my friends were all so optimistic and hopeful about the future, all too ready to jump on the great rollercoaster that is life.

And nowadays... well I've talked about the good, now here's the bad - whilst I find my job interesting on a day-to-day basis and realize the pay is better than almost all other careers except tech, over time I've found it stimulates me less and less. Plus ever since Covid started, hours have ramped up massively - through 2020 was consistently working 80hr weeks, which only started to decline towards the latter part of 2021. Combined with wfh isolation and a relationship breakup, I ended up suffering from panic attacks and was diagnosed with generalized anxiety and low-level depression - so have been on a low dose of Zoloft since 2020 (which admittedly has helped considerably).

Part of the reason for the breakup with my ex-gf (amongst others) was my reluctance to consider starting a family - I do genuinely want kids and a family life, but with the way I feel about my job/life it didn't feel responsible introducing the additional financial/emotional stresses of having kids. Now in a new relationship with a great girl, but she's also hinted at wanting to "settle down" in the near future (she's 30) and I feel bad that I still haven't resolved my concerns about having a family and effectively "locking myself" into this career/life.

As others have mentioned, another big issue for our generation (millenials/Gen-Z) is the extortionate cost of everything. Now I realize there are tons of entitled Gen-Z kids out there, but I also think it's very valid to be concerned about how expensive everything is. Without meaning to sound entitled, if you jump off the IB/PE/tech bandwagon and take a job paying $100-150k a year long-term, with a family you're really setting yourself up for at best a barely comfortable middle-class lifestyle. I know that sounds ridiculous given that most Americans earn less than $100k but it's the current reality. As someone who isn't super-materialistic but also enjoys travelling and nice holidays/experiences, it would kinda suck to have worked hard all this time only to end up having to be budget-conscious/very careful about money again.

Anyway sorry that was a bit of a ramble/stream of consciousness, but in summary OP - as you can gather from the responses here, you're certainly not alone in your predicament. Sadly I don't have any ready answers/solutions however.

 

You're in finance you get still get Bj's from 18-year old girls...but now you have to pay.

Serious Part

I'm old, almost middle aged. Growing up, sure sucks when you are 20, but when you hit 30 you get a greater sense of clarity about life, you get married, have children.  And then you watch them grow up.  Life isn't easier, why should it be? You challenges get more difficult, but that is an opportunity to improve yourself.  The little things you do at 20 become so much easier at 30, where you can now focus on the bigger picture things. I'm by far a better person at my age than I was in my 20's. I may have a gut and less hair, but I wouldn't trade my life for the one I had in my 20's. Sure the going out and drinking is FUN, but does it give life any meaning, no.

 

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