Perhaps it's unfair to do this but as a 63 year old, I was financially independent in my 20s and I was in tech. I guess you meant "wealthy beyond your wildest d

Perhaps it's unfair to do this but as a 63 year old, I was financially independent in my 20s and I was in tech. I guess you meant "wealthy beyond your wildest dreams" rather than "able to earn more money than you spent, and so actually make headway on the ridiculously small mortgage which was a far smaller fraction of my net worth, than for a 20yo today looking at entering the housing market" or something. I know some HNW people, some are nice, some are nasty. Some are lazy, some are amazingly productive. Some are in tech. Some are in arts. Some are spending their wealth on charity. Overall, I don't think being financially independent determines the best course, it's very subjective. The best outcome for all of us, is to stop people being capable of being obscenely rich. I expect to get downvoted for that, but having thousands of multiples of net worth beyond the people around you is fundamentally a-social. The upside of job creation is massively offset by the other outcomes of the inequality.