Figured out? not even close

But sort of learned over the years what unexpected things might pop up so I make sure I'm prepared for it financially, money does not buy happiness but it gives you options

Was lucky in my career so stashed up abit and living on auto-pilot until I can no longer spam it then only move on.

TLDR:

20s: work work save money
30s: make sure do as little as possible, spend time with family and kids

uncle can offer you young people good piece of advice.

no need to teach much, all of you have power of observation.

Sit down and calm your tits, start to observe people who are happier in their 50s , 60s and towards the last few years of life.  See what they do when they are young, their behavior, their friends, their conduct in life, etc.

And observe those who reach 60s with lots of anxiety and depression. See what they do in their younger days. their jobs, their hobby, their friends, their habits.

TLDR:

20s: work work save money
30s: make sure do as little as possible, spend time with family and kids

what will you do if 30s no family/kids?

uncle can offer you young people good piece of advice.

no need to teach much, all of you have power of observation.

Sit down and calm your tits, start to observe people who are happier in their 50s , 60s and towards the last few years of life.  See what they do when they are young, their behavior, their friends, their conduct in life, etc.

And observe those who reach 60s with lots of anxiety and depression. See what they do in their younger days. their jobs, their hobby, their friends, their habits.

what will you do if 30s no family/kids?

I'm trying to get out of my field lol

Sadly f&b nowadays too many liao

Competition too great. I like coding but programming seems oversaturated too

Wtf and I supposed to do tbh

Talk to those in their 60s ( those succesful and also those who fail) for advice to plan your life.

I'm trying to get out of my field lol

Sadly f&b nowadays too many liao

Competition too great. I like coding but programming seems oversaturated too

Wtf and I supposed to do tbh

if you met certain old people that have anger issue or always grumpy are usually people that take their job/work as their main personality during their younger days.

When they are officially retired, they've no longer have that kind of identity and they struggle to adapt life as retiree.

People that spend their younger days on play and enjoying their hobbies after work, not taking work as their own personality will eventually have calm retirement life.

I bet some of them are going to be jealous at you.

Those who bought house feel burdened because the guilt and regret of buying a house starts to kick in after the honeymoon of "I bought a house!" already passed. They might start to wonder why I need to buy in the first place? It's so expensive and I already can live at my parents house. Why buying at the first place just for the swag to show to society you can buy a house?

The one who married started to feel their money is not theirs anymore because almost all the money they earned goes to kids and wife. Even though their wife got earn, but it feels like they are still responsible to provide because that's what husbands must do.. unless you don't love your wife...

They started to live in survival mode instead of enjoying life. Life is not about entertainment anymore. It's about responsibility and duty as a husband.

They just imagine what if they are free. Can just come back from job and play games until midnight. Can just use their saving to buy new phone, new GPU, new PS 5. Can go restaurants and eat whatever food they like. Can just go out with friends good brothers to binge. Can go vacations multiple times per year because they just need to pay their own ticket.

Now they are slaves who earn money for family and paying debts.

But again yes, by society standard, they are ahead but that doesn't mean they are living happier. And they will start to quietly regret following such standard set by society but there is no turning back. But I believe in the 50's they might be grateful they passed the storms. But they have suffered for 20 years to finally get freedom again. And they are already old.