But what's the point of it being long-term? I want fuck-off money right now. What's the point of having a bit of money when I'm old, can barely leave the house and everyone and everything I cared about is long gone?
Why do I want to have a million in the bank by age 70 if I'm going to kill myself by age 30-35?
My very good colleague who was absolutely brilliant statistician shared his wisdom: Max the now, min the future.
He focused on the present but hated work, it was utterly boring to him, even if objectively the work benefited humanity. One day he quit and never came back. He spent his time learning to dance salsa. He was in his mid to late twenties.
Of course he was an extreme case. But his zen is important to take and balance together with future planning.
I think you can do both, aim for fuck off money but put aside a little bit for the future.
Edit: if youre wondering what happend to him - he's studying electrical engineering because I suspect he's aiming to not be behind a desk.
Take out your retirement early. Live on it for 5 years and then back to the grind for 5. Live your best life and die with zero not a million.
70 is the new 30 didn't you get the memo?
How old are you ? I used to espouse similar view but now that I am past 40, I regret not starting investing in my 20 and see myself living well into my 80's.
That punk-ish no future mentality usually dampen past 30-35!