I selected happy later, because I think that there's some things in my life that only time will change. I'm 25 years old currently employed full time on a night shift schedule. What changes with time from today to years from now?
1. I don't have a college degree, but to do the jobs I *think* I am interested in, I need one so most employers will recognize my abilities(and also because some things just need it from the get go), like engineer or economist(engineering is my background, economics is my passion).
2. I don't have a large enough FI stash, but 5 years from now? Even if I'm not FI, I'll be so ****ing close to it, if I stay employed the entire time.
3. Starting Freshman classes, with all that I've done in life, is annoying and/or ridiculous, and I don't enjoy them at all. I've had a starting problem with the last two semesters, and so I'm taking the rest of this year off to figure that out.
4. Speaking of being employed, I need to stay employed for 2 years minimum(currently at almost 1 1/2 years) to not have to pay back relocation. Moving that to 2 1/2 years means Fall session of college classes. I want to go to school full time, but not with 18-20 year olds, and I quite simply can't justify giving up this paycheck at this point.
5. Speaking of college classes, I have to buckle down and complete them(see point 3)
6. I currently live in an apartment by myself that I don't enjoy. Changing that up to a house with a roommate this month which will at a minimum be financially better(I own the house).
7. I've been single for almost my entire adult life(total relationship time: ~3 months), so I lack a lot of the personal skills and boundaries that one would expect from me, and also I lack game/social life.
Really, I think almost everything I want in life will fall into place around 30, and being an almost FI'd 30 year old with a college degree, bulletproof resume, and no kids... I just can't imagine my 30's and onwards being anything but the most awesome thing ever, because of the decisions I've made up till now. But that may be my problem, too much emphasis on the future and not enough on the now. We'll see. I've got another year or so before I make a decision that jumps the shark on my plans, like going full time college and losing a little of my stash/don't accumulate as much or something. Some things are falling into place starting this month at least, like changing my home status.