I'm sure once I'm 45 and wasted my youth never making any big purchases, never going out, never traveling, never having any fun, and instead investing every last cent into index funds that yield 10% return annually I'll thank myself. It'll all be worth it to have a few more dollars than Mr. Jones next door, and I'll try not to think about how my boss makes double my life's savings every single year by coming into the office once a month between his vacation trips.