This isn't so much every month not earning money but every month not putting money into a retirement account/savings. If you make a bunch of money in your 20s a

This isn't so much every month not earning money but every month not putting money into a retirement account/savings. If you make a bunch of money in your 20s and don't adequately do these things (like, work for a startup that has no 401k and you don't open up and contribute to a Roth IRA to make up for it, for example), then it's not much different than going backpacking through your 20s.