> And yet today, I hear so many stories about 30 year olds with masters degrees who are still living with their parents Stands to reason. Dedicating five or mo

> And yet today, I hear so many stories about 30 year olds with masters degrees who are still living with their parents Stands to reason. Dedicating five or more years away from the workforce at least partially, if not in full, is an enormous setback financially. As money compounds, your earnings when you are young are dramatically more important to your financial stability than those when you are older. It would be surprising to learn that such a person is on equal footing with a janitor of the same age who started working at the age of 14.