Check out “FIRE” (Financial Independence/Retire Early). It offers some great advice on how to escape the cycle.
You don’t have to work one more hour if you know how to tie knots.
excuse me also know how to calculate potential energy and momentum.
Joke’s on you, there’s no way I’m living another 45 years
That’s what they all say. Then it’s “damn, I should have not spent money like I was going to die, I should have invested, I should have taken care of my health, I should have spent more time with my family that is no longer around”
Im 40 so I have at most 10 years before I drop dead from overwork and underpay
The SSA has a neat Actuarial Life Table, which informs how long the average person of a specific age will live. As you get older, your average life-span actually increases, as we can now factor out that you didn’t die at 0, 1, 2, 3, 4…38, 39 years of age.
The average adult male, 40, lives until they are 77, female 81.
My dad died at 77, but I assure you he was extraordinary, rather than average.