There is nothing worse in life than having regrets, and it's all about what is good for you. Some people are of the mindset that you should be working on your retirement portfolio at age 21, whereas others want to enjoy life; and for them life happens to be in that particular moment.
I happen to fall into the latter category. It all depends on if you are going to be kicking yourself 10 years from now because you didn't get to live your dream, or kicking yourself for not getting into the housing and/or investment market an an early age.
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