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Either that or you've accumulated enough speculative experience and retirement wealth before age 60 that you don't even have to expect to live on a government-sponsored pension of a few thousand dollars a month. So it's only right to save your premiums for pokies while you're young.

The fear of becoming a 'has-been' keeps some people from becoming anything.

True, building a strong financial foundation early on can provide more freedom later in life. Keeping a balance between enjoying life now and planning for the future is key!