Also as you grow older the number of viable paths the keep life looking worthwhile really shrinks because there's so much less opportunity. If you're 50 and you

Also as you grow older the number of viable paths the keep life looking worthwhile really shrinks because there's so much less opportunity. If you're 50 and your retirement is entirely reliant on housing being wildly unaffordable most people will fight to keep housing unaffordable because the personal cost is too high (e.g. dying poor). In your 20s or early 30s financial shocks are generally a lot less scary because you can still pivot, life will just be a little tougher for a while. At 60, it's usually utterly terrifying.