[cynwoody]

Worry about building up your assets later in life.

That's terrible advice.

When young, live cheap, work hard, and invest for the long term. The time value of money is on your side.

If you're fifty and don't have enough to retire (if forced), that's a big red flag.

[Garth Tater]

The time value of money is on your side.

That's ancient advice you're giving out there Cynwoody. With banks giving 0.1% interest in a 3% inflationary environment you are losing value every day on every nickel you put in a bank. And if you want to recommend the manipulated and big-money controlled stock market as a good "investment" I point you to the 45% drop in the market back in 2008 and 2009. Just one of those every generation wipes out all of your profits and a lot of your capital. When you take inflation into account the market is just now back to even after 8 years. That is even - no, none, zero profits on your invested capital at all for all the time it has been sitting there at risk in that cesspool called a market.

Trust yourself, not the crooks running the financial system we are forced to live within. Build your skills, look to expand your opportunities by starting a business or finding a consulting niche - and then when you have everything you need to go big (skills, contacts and cash) make your play in the market (if necessary) and then get out quick.