I've also never understood the problem with enjoying the money I make now, "instead of being invested in a way that might truly enhance your quality of life someday." Â Economic disingenuousness of that statement aside, who's to say that the quality of my life isn't being enhanced now?
I'll tell you what the problem is, or whether it is a problem or not. I lived very very well in my 20's and early 30's, being pretty sure that my values would never change. I saved a little money, but mostly I lived very well, not wastfully, but if I wanted to fly for the weekend to vienna to see an art show, for instance, I didn't think twice about it. At one point, my value system changed. I used to always say that I would prefer to go to the Carnival and the Octoberfest every year for the rest of my life rather than own a house - it never dawned on me that I would want to stop renting apartments and buy a house with a yard. now, of course, it would have been very nice to have started with buying ahouse 15 years ago, like some of my friends. on the other hand, I myself have no regrets. but keep in mind that it can happen.