When I was just starting out on my own, there were many things going on in my life. I was learning what bills where and how they worked and how credit worked as well. I had a mindset of “how much a month”. If the amount was less than I could afford, I would do it and think that I would just pay it off over time. I was starting down that path of preventing my future self from being able to take action sooner.
I was young. I was only around 21. By thinking that I was an adult, I worked on trying to gather all the “things” that I thought adults needed. I rented an apartment, financed dishes because we had to have them, financed a vehicle because I couldn’t afford to pay for one, opened up credit cards for consumer goods like a TV and other things to get my lifestyle up so that people didn’t think I was broke, among other things.
I think some of it comes from thinking I am going to be around forever. When we are young, we don’t really look at retirement as a real thing. I know I thought it was just a thing that I could save for later on. I didn’t feel any sense of urgency or anything like that.