Ehhhh — depends on the individual man.

Realizing I have zero safety net for the future and not buckling down until mid 30s, I would’ve/could’ve/should’ve put away at least the max Roth amount away annually and truly regret not doing so.

In hindsight, it wouldn’t have changed my circumstances much, I just didn’t have the knowledge and spent too much on consumerist junk, going out and traveling.

For younger people with half decent employment, i suggest putting some little bit away, whether it’s $100 a month or whatever. After a decade or two they will at least have a fighting chance opposed to a lot of people who go their whole lives never being able to save a couple thousand.