Don't Waste the Good Days
I feel like there is wisdom in "Make hay while the sun shines." When you're young and unencumbered by responsibility and family, when your cognitive abilities are at their peak, when your energy is endless, when your body is strong and healthy, when your knees work, and your fingers can type without arthritis: that's the optimal time to work and earn. Min-max that salary and stay healthy. Due to compounding interest, a dollar made in your 20's is far, far more valuable than a dollar made in your 60's. Every morsel you make and save early means your retirement comes earlier. There will never be a more efficient time to earn those days of leisure that will come later if you stay healthy.Take that vacation to Bali when you're young, and you are wasting your prime, strongest days that could be making you financially secure and/or independent. Go windsurfing for a year in Ibiza after college, and you're adding 5 years to your working life--retiring at 62 instead of 57. It didn't sound like much time when I was young, but today, as I turn elderly, I'm counting down the years until I can finally retire, and kicking myself for goofing around when I was younger. If I could do it all again, I'd have tried harder to get into big tech early, I'd have taken comp and 401(k)s and advancement more seriously. I'd have played fewer video games, traveled less, and relaxed on the beach less.Life isn't short--it's LONG, and you have a brief moment in that life to maximize your preparation for the rest of it. Use it wisely.