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That is a nice list for someone in their 20s with no responsibilities.

Once you get a partner, kids, elderly parents, pets, mortgage, etc. you won't be worrying about your needs anymore trust me.

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As someone in my 30s I'm not sure I need the things on your list. Can't escape the aging of my parents but I'm lucky they will be able to financially support themselves through retirement. If I do add complications to my life I'll be careful to do my best ensuring it's a net benefit to my stability and peace.

yeah some people are very orthodox and think having a partner, kids, pets, mortgage is a must. The easiest exceptions is being a monk or priest and they are fine and society accept it.

Age has nothing to do with it. Those were your life style choices and they now impact you for the rest of your life. You could well have done the opposite and thrown all your earnings into the SP500, rented for cheap near your parents, traveled the world, and have no partner and/or multiple partners

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