I mean, like most advice from my generation and prior ones, the notion that people in their 20s can't fuck up too badly because they have little to lose applies

I mean, like most advice from my generation and prior ones, the notion that people in their 20s can't fuck up too badly because they have little to lose applies considerably less well to all but the fairly affluent people in their 20s today. For many, taking risks means being gated out of the financial system by bad credit, being behind in an unforgiving job market, and possibly even destitution if they don't have a safety net of some kind To be clear, this was always true to some degree, but inequality is higher, industries have more power and thus workers have less, and safety nets that don't come from your parents being well-off are weaker (and fewer people's parents are well-off) than when I was a kid, and this has actually been true for a few subsequent generations of kids