Across the population as a whole people in their 30s and 40s saving more and spending it later will be neutral. I think most of would prefer to live a less lux

Across the population as a whole people in their 30s and 40s saving more and spending it later will be neutral. I think most of would prefer to live a less luxurious lifestyle in our 30s and 40s if it meant we weren't homeless and unemployable in our 50s and 60s.