> I tell the younger generation the same thing. Save, invest, max 401k, before you go off and party. Your older self will thank you.

401k max is $24,500. How much do you expect a person to earn to be able to max it out? And what percentile income is that at the bottom and top of the age range you consider “young”?

https://dqydj.com/income-percentile-by-age-calculator/

Tldr: you are telling almost every 20 to 30 year old to not party.