I'm the same as you, thought the same at the same age - and saved a lot of cash. I remember telling people, why spend $1 now, when I can 12% * 40 years that $1

I'm the same as you, thought the same at the same age - and saved a lot of cash. I remember telling people, why spend $1 now, when I can 12% * 40 years that $1 to make it $93. Plow it away - families change things. Wife, kids, houses are often negative financial ROI (relative to early life), but have some life ROI. People in their 20's are often driven by status, or comparison - and not very good at thinking 30 years down the road. I Keep on...