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Your understanding of life and things never changed before? Recall your beliefs 10 years ago. Now imagine 30 years passed - there is a very good chance that you

Your understanding of life and things never changed before? Recall your beliefs 10 years ago. Now imagine 30 years passed - there is a very good chance that your desire to live will be strong. You will be miserably calling your current selfish self "an idiot" for not saving up while trying to meet ends on the government money. No offense really, but some people can't extrapolate their own personality even 5 years ahead. Trust me, you will change with age, everybody does. Hopefully it won't be too late to start saving then...

jsz0 16y ago
I'm open minded about the future. I think the problem for people my age (30-ish) is that the entire time we've been working real wages are flat or negative. We've never had a chance to get ahead of the game. I make more money than most of my friends, lots of them have student loans to deal with too, and it's hard to project a way to save even $200k-$300k over the next 30 years. Of course I could cut my expenses, move into a cheaper place, eat lots of ramen, but that's just choosing to live poor now instead of later. So for now I'm making the choice to be poor later.
- steveklabnik 16y ago
  Yep, this is it. I have at least two friends from college that have spent over a year trying to find work. "Defeated" doesn't even begin to properly describe how they feel.
heresy 16y ago
So true :) My present self is cursing my 20s self for having spent a load of time traveling and running up lifestyle inflation debts, basically boozing it up non-stop. On the other hand, I have some really good experiences and memories. But I've been incredibly focused on reducing debt and building equity for the past year or so, and I don't see that changing. I'm just glad I woke up while I still have 35 years to repair the damage, I have my health, live in a country with affordable healthcare, etc.

jsz0 16y ago

I'm open minded about the future. I think the problem for people my age (30-ish) is that the entire time we've been working real wages are flat or negative. We've never had a chance to get ahead of the game. I make more money than most of my friends, lots of them have student loans to deal with too, and it's hard to project a way to save even $200k-$300k over the next 30 years. Of course I could cut my expenses, move into a cheaper place, eat lots of ramen, but that's just choosing to live poor now instead of later. So for now I'm making the choice to be poor later.

steveklabnik 16y ago
Yep, this is it. I have at least two friends from college that have spent over a year trying to find work. "Defeated" doesn't even begin to properly describe how they feel.

heresy 16y ago

So true :) My present self is cursing my 20s self for having spent a load of time traveling and running up lifestyle inflation debts, basically boozing it up non-stop. On the other hand, I have some really good experiences and memories. But I've been incredibly focused on reducing debt and building equity for the past year or so, and I don't see that changing. I'm just glad I woke up while I still have 35 years to repair the damage, I have my health, live in a country with affordable healthcare, etc.