Exactly! Some folks simply do not have the financial discipline/knowledge to fully pay off their loans, and for them if they waited until their loans are paid off they’d never have a retirement savings. If they start squirreling away money now they have more options in 10-20 years than they would in 10-20 years without it
Personally I’d spend less energy avoiding spending my way into further debt than I would dealing with the stress of being in all that debt, but everyone’s different on the inside.
Exactly! Some folks simply do not have the financial discipline/knowledge to fully pay off their loans, and for them if they waited until their loans are paid off they’d never have a retirement savings. If they start squirreling away money now they have more options in 10-20 years than they would in 10-20 years without it
Personally I’d spend less energy avoiding spending my way into further debt than I would dealing with the stress of being in all that debt, but everyone’s different on the inside.