How do you deal with the thought of having to work for 40+ years and then when/if you retire, you're too old to do much?
How do you deal with the thought of having to work for 40+ years and then when/if you retire, you're too old to do much?
There has to be a better system than this.
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Don't follow someone else's path. I took a year off to travel in my 20s, a year off to sail in my 30s, and now that I'm 40 I'm planning another year long adventure in the next 5 years. I wasn't born into wealth, I spent less than I earned, invested the rest, and avoided debt. Don't get a big house in the suburbs with a mortgage, new lease car every 4 years, student loans, etc unless that's what your actually want. Set yourself up for success with smart money management so you can do what you want.
This advice only works for those who earn enough money to save and invest. After rent, food, other living expenses im lucky enough to save up until the next emergency drains my funds.
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I don’t know what that means.
I'll not sure but I think it is just that person agreeing with you - pointing at what you said.
Can you move to a place where the earning to spending ratio is more in your favor? Somewhere with cheaper living expenses or higher pay?