25k of added consumption saved would be 43k of interest gains in 15 years in his "line always go up" world view. 43k is over 6 month living expense for me, and

25k of added consumption saved would be 43k of interest gains in 15 years in his "line always go up" world view. 43k is over 6 month living expense for me, and I get to keep the initial 25k. I wish I would have spent more money in my 20s, but not 25k worth.