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> I'm willing to bet investing in yourself early will outperform the compounding interest you make on income you have at the start of your career.

People present this often as a choose 1, but in reality there's a big gradient of options here. There's no reason you can't spend some money for experiences in your 20s and also save a good deal for compounding interest in the future.

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>There's no reason you can't spend some money for experiences in your 20s and also save a good deal for compounding interest in the future.

Well in my scenario (and that of most of my peers/siblings) income is low and cost of living is a large % - you don't have a lot of discretionary funds to manage so it usually is one or the other.

> People present this often as a choose 1, but in reality there's a big gradient of options here.

The word you're looking for is "false dichotomy".

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