- If a decision comes down to either not having enough time or not having enough money, rest assure there will never be a sweet-spot where you will have both.

- If a decision comes down to either not having enough time or not having enough money, rest assure there will never be a sweet-spot where you will have both. - Always take into consideration mental health cost. Your commute, your work, the people you choose to surround yourself with. Debt in this area is unpredictable and therefore dangerous in the long run. - No one has it figured out. Youth will always be wasted by the youth. Good luck.