03/24/2026
You don't HAVE to do anything, and that is the beauty of PERSONAL finances. The decisions are personal message me to learn more. Even though you don't have to do anything, you SHOULD be aware of the consequences of your decisions. I see it all the time on my posts that encourage investing for retirement - comments along the lines of "I don't want to wait until I'm 60 to enjoy my money, I want to enjoy it NOW", and you have full freedom to do that.
What you should also be aware of is that spending all your money now will lead to you working a job you may not like until your old age, while the people who did invest are sipping mojitos on the beach.
If you follow me, you probably know that I'm a huge advocate of balance. I don't think you should save every penny to retire ASAP, I think you should make a plan that works for you. In your plan, you need to balance 2 things, 1) funding and enjoying your lite now, and 2) ensuring your finances are set up in a way to meet your future goals.
It's dumb to put 100% of your focus on the "now" that leads to people being incredibly regretful later in life. It's also dumb to neglect the "now" - the future isn't guaranteed and you should always prioritize being happy in the moment.
How much do you prioritize spending now versus saving for the future? That's the decision YOU have to make. Just make sure you're making it with all the information available!