>carrying debt to maximize life now can potentially destroy your future, but the alternative is minimizing life now to improve your potential (and non-guarantee

>carrying debt to maximize life now can potentially destroy your future, but the alternative is minimizing life now to improve your potential (and non-guaranteed) future later. Isn't this just called "work" or "discipline"? You put up with the drudgery of effort because you want to be able to enjoy the benefits of your labor later. Everything works that way. Not going to get around it. You're right, though: there is absolutely a balance to be struck. I think the parent's point is that the balance is not being struck well by many. My POV is that that's true, and that cultural and economic forces that encourage this imbalance make it difficult for your average Millennial to avoid.