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I guess a broke 20 year old, but as someone who is a broke 23 year old right now, I can tell you it isn't very fun to not be able to afford to do anything and feeling like you're wasting your best years just working and not being able to have any fun.
The thing is that it's easy to get $3 million if you really want it. But if you're 80, it's not easy to get back to 20.
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