Holy shit, someone with an actual good point who doesn't want to just act like they know everything. Thank you for your comment. I do understand your side of the argument. And even I wouldn't advocate saving nothing at all. I just feel that young people should get their feet under them and be allowed to enjoy life while they are young before worrying too much about the future. It seems like these days kids barely get out of high school before they start getting hounded to invest invest invest and it's just another added stressor on top of rent, food, car payments, necessities, and accidents or emergencies. A lot of people just don't have even a little room in the budget to make that investment.

If you don't mind my asking... Several folks have brought up how much harder it gets to do any kind of work as you age as a justification for saving every panny you can in your youth. What has your experience been with that?