“It’s okay to trade the possibility of your 80s and 90s for more guaranteed fun in your 20s and 30s.” This is one of my golden rules.
It’s safe to assume a lot of my peers are better prepared for retirement than I am, judging by the size of their 401Ks, investments, savings plans, etc. Their preparedness makes me feel irresponsible by contrast: I don’t own a home, I don’t track my personal spending well, nor am I aggressively saving for retirement. Pile on the fact that I’ve started three new jobs in three years, went four months without health insurance and I can’t tell you where I see myself in five years. My existence would scare the hell out of most reasonable young adults.
On the other hand, I was able to quit a perfectly good job, take four months off, and pick up another perfectly good job again without financial ruin. I’ve driven across the Canadian border simply to see what’s on the other side. Instead of suffering through a brutal winter trapped indoors, I bought a new pair of skis and an Epic Local pass and embraced the Polar Vortex.
I would like to someday own four walls, a roof and a small patch of grass. But for now, I’m content with cleaning 975 square feet of space and moving on with my weekend plans.
I may not have all the things an early 30-something should have, but I have everything I need in order to live a happy, healthy, damn good life.
So that has to mean I’m doing a few things right.