You are correct. I am 25, and since my first serious job (I was 23) I've been in the government category for the most rich as possible in earning amount (the c

You are correct. I am 25, and since my first serious job (I was 23) I've been in the government category for the most rich as possible in earning amount (the category is everyone in the top 5% of income... granted, there is still a GREAAAAT gap between the top and low of that... I reached the top 5% with 20k USD/year) I don't own a vehicle (not even a bicycle), much less a living place. I think if I sum all my possessions (literally, including my clothes, glasses, phone... without depreciation) and my debts, I am still negative. According to my calculations, I will be able to buy my first apartment when I am about 35 years old, unless I move back with my parents and stop paying rent. Also I won't bother in buying a vehicle, unless it become really, really necessary (and then, I will buy a chinese QQ or J2) When I think about that, it is really, really, really depressing and ridiculous.