That's great - but did this saving involve sacrificing on experiences you've had ? Setting yourself up for retirement at age 20 sounds like a miserly life. It'

That's great - but did this saving involve sacrificing on experiences you've had ? Setting yourself up for retirement at age 20 sounds like a miserly life. It's generalizing of course, but I've noticed this in friends I grew up with. They had avoid debt mentality, saved a bunch of money compared to their income, etc. The money they saved up didn't really enable anything significant, and they had to miss out on a bunch of stuff to make the budget. Now we're in our mid 30s they have a bit of money stashed up, still single, still trying to figure out what they want in life. I've paid off the debt I've racked up in 20s, make considerably more than them (in no small part thanks to the more risk taking behavior) and the experiences I've had helped me move forward in life. You only get to go through youth once, even if you have millions in 40s-50s it won't make you young again. You'll be making money your entire life.