No, not for most people. When I was your age I couldn't imagine my current self, in my 50's, sick and broke so I did nothing to prepare for the future. If you

No, not for most people. When I was your age I couldn't imagine my current self, in my 50's, sick and broke so I did nothing to prepare for the future. If you're making as much money as you say, by living frugally and making good low risk investments you should be able to save enough money to do whatever you want by the time you're in your 30's. That's what I would do if I had it to do over. Note also that if you're like most people you can probably find a way to live on much less than what you're currently spending. Of course there are no guarantees in life, you could die tomorrow.