Hi guys! I think it's pretty obvious we'd all want money now than money later. The reality is that building wealth often takes a lot of time and effort for it to grow. Of course, it is less truer now in the past couple decades than it was in the last 100 years. It's easier and faster now to make a lot more money than you'd ever believed possible in a lot shorter amount of time. I don't need to give you the examples as you can find them all yourselves, just look at the social media millionaires out there that have all been created within the last decade or so (even just months or a couple years). I've always known and heard about the traditional models of wealth building like compound interest (start early!), investments (stocks, mutual funds, bonds, real estate/property, etc.), and of course for working all the years of your life until 65, you get pension and whatever other benefits came with your job. The problem is this: why do we spend 80-85% of our lives working our tails off to make money, but can't really spend it all or enjoy it until the last 10-15% of our lives? It's not even just the percentage, but moreso, the quality of your life, too! Nevermind that you get to start travelling or spending all the money you've saved up in the last 10-15 years of your life but those 10-15 years are "physically/health wise" your worst quality of living. You'd much rather wish you could have spent your hard earned money and savings when you are young, healthy, and able-bodied to enjoy all that life has to offer and more. The old model of living seems to be quite illogical. Obviously, you can find ways to enjoy life and be happy in the process (that is a must, otherwise you'll just be depressed and life will seem like it has very little meaning in the first 65 years of your life) . Sorry if this starts getting into the "what is the point of living/life?" question, but one of the greatest sources of my troubles and depression is questioning and wondering why I am saving up all my money? For what? Why would I want to be happy when I'm 65 (assuming that I even reach that age), than to be happy in my 20s, 30s, 40s, 50s etc.? We all assume that we'll get married, have kids, therefore you need to save up all that money for those things, take care of your family and their future, etc. But we all know life is changing. More than ever, people are not getting married, don't have a spouse or kids/dependants to support, etc. What if you're living a single's life your whole life? What am I saving up hundreds of thousands of dollars for? Who is going to benefit from it? There will come a point in my life when all my family is gone. I'm not particular close with any of my relatives either (who is?), so I can see a pretty bleak old-age future for me with nobody around (including good health disappearing) and the only thing I might have left is money I've saved up. So as I'm here everyday sitting at my office in front of the computer and working my 9-5 job, I'm often sad that I don't feel like I'm doing more with my life, and getting more significance and meaning mainly because most of the money I earn I'm putting it away. I'm spending enough to obviously sustain myself, have a comfortable room to live in, a nice car, feed myself some yummy food from time to time, buy some goodies like computers/cameras/other tech gadgets, but overall, I'm only spending maybe 30% of my total income. The rest, I'm saving it/putting it away. I know I could just decide to spend a lot more and enjoy my life more, but then we run into the same risk of, how well off will I be when I can no longer work and need to support myself? It's this balancing teeter-totter effect. Spend too much and live lavishly now, but risk having nothing or very little later and struggling in old age. OR live a modest conservative life now, and set yourself up to be well-off later when you're old and wrinkly. I often think to myself, if I knew that I wasn't going to make it to 65 years or 55 years with good health, I would rather just live it up now and live paycheck to paycheck and really enjoy everything I possibly can (burning up your life). But we always assume or think we're going to live til we are 85 or 100 and have lots of needs then such as taking care of your family and kids, grandkids, etc., having a spouse to tick off the bucket list of things to do together before you croak. But most of this won't apply to me. It's such a dilemma!! It's so hard to decide what to do when there's not enough to go around for BOTH (live large now and live large later). Most of us can only choose ONE and for the most part, I've been choosing the latter. So the solution seems to be something that is quite possible and reachable now. Get wealthy now/fast/early and have money NOW, and still have money LATER. When I see all the Dan Bilzerian's of this world, it just makes me wonder.....why can't we live like them? (maybe some of you do already). It sounds so cliche but yes, the solution for my issue is to have enough money that you can splurge and enjoy life NOW and still have plenty of it tucked away for later, or how about just keeping earning big money even after retirement or even better....there is no more such thing as retirement (because you don't even have to work 9-5 job anymore), you can get paid while you sleep in your bed at 75 years old. Thanks for stopping by. I'd be interested to hear what some of you have to say and I'm sure some of you are in the same boat as me, and others are living the life that I'm referring to in my solution hehe.