Totally agree, but the problem with this plan is there's never any dopamine hit. Just 30 years later you look at your accounts and feel like you have enough mo

Totally agree, but the problem with this plan is there's never any dopamine hit. Just 30 years later you look at your accounts and feel like you have enough money to live a nice life without having to work anymore. That's not exciting at all, it's boring. In this case, boring is the entire point, but it's hard to sell the average 20-something something boring that they won't get to use until 30+ years from now.