I guess I'm "lucky" that I was born in a country who tops the OECD ranking for elderly poverty. Even though I moved to a country with an okay pension scheme, I've never counted on that to last. So I've been saving and investing as much as possible because, as you've said, I've "always known [I'm] screwed unless [I] can horde as much as possible in as little time as possible."

But I hate that I have this mindset. It’s useful to a degree but it’s almost become a compulsion for me. Incidentally, I think this is the main reason why my home country has the lowest birth rate in the world. I really wish we could all just, enjoy life without having to worry about poverty in the future.

(My home country is South Korea)