I don't think there's a high horse here. It's just how life works. If you've truly managed your early twenties so well, that looking back now with more perspect

I don't think there's a high horse here. It's just how life works. If you've truly managed your early twenties so well, that looking back now with more perspective you don't see anything you could have handled much better, you can congratulate yourself for being a rare specimen. I, personally, am looking forward to my 60s to understand what I'm doing wrong right now. > Most 20 year olds are smarter, have more self control, and more financially savvy than my parents, who are in well into their 60s. This might be a regional thing. Around here, statistics show that more and more young people are getting their finances in a state that's difficult to recover from before they reach 30.