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That doesn't include the cost of wrecking your back from sleeping in the back of a honda civic.

With a decent air mattress you should be OK.

More back harm from failing to left. Squats and deads, my man.

I also highly recommend Wealthfront.com for super easy diversified investing. (Once you've maxed your HSA and IRA)

I'd recommend vanguard.com . From what I can tell, wealthfront is largely repurchasing vanguard funds and selling them downstream.

And then when you are older and your body less resilient and your obligations much higher, you cash in and do all the fun, adventurous stuff you missed out on in your 20s, right?

Concentrating on savings is betting against your own future earning potential. Generally this advice comes from people who always hate their jobs. Better advice: get a job you enjoy. You'll never work a day in your life