Good discussion and thanks for sharing. Part of it depends on your goals. When you are young, it is easy to not think about the future. But if you want to build meaningful wealth, the sooner you start the better. Bar hopping with friends may seem like fun, but it is unlikely you will miss it in your 30s or 40s, but missed investment opportunities will still be felt. I recommend you start learning to invest well now so you can have more options in life. Playing and spending too much now can result in having few choices later on and getting “stuck” like the majority of working professionals.