Say no to fun stuff 20% of the time and invest that money - the younger the better. Time is your very best friend when it comes to retiring comfortably. But say

Say no to fun stuff 20% of the time and invest that money - the younger the better. Time is your very best friend when it comes to retiring comfortably. But say "yes" to enough things that you'll have fond memories to look back on with friends and family. Time does start passing quicker. Perhaps the brain slows down and you capture fewer frames per second, but the end result is you start to learn how important it is to prioritize to avoid having spent your precious time on trivial things instead of meaningful things. Time is infinitely valuable compared to money. Do the math. You can always earn more money, but you will run out of time. Does that contradict my first statement? No. When you're older you'll want enough money to be able to spend your time as you wish. The vast majority of things you think are of the utmost priority now will seem trivial looking back on them ten years later. If you can learn this early it makes it far easier to remain rational about your decisions and how much things are worth. Your body will start getting in the way of things you want to accomplish. You'll get tired sooner, you'll have health problems that interrupt your momentum or require long periods of recovery, it will be frustrating to struggle at things that were once easy. Don't wait too late to do the things you are truly passionate about. Retirement might be too late.