There's also a non-zero chance you'll die before year 20. I agree with the premise that seeking financial independence should be a significant factor in career/

There's also a non-zero chance you'll die before year 20. I agree with the premise that seeking financial independence should be a significant factor in career/life decisions, but if you would be filled with regret by finding out it will be cut short at year 18, you're too singularly focused.