<prompt> Human: Just looking for some outside perspective on this as my family has always been somewhat extreme savers. Basically I graduated from university in 2010 with no student debt thanks to some great parents and even had some savings. I got a pretty good job right after graduation and then moved to an even better one paying about 85k per year. Thanks to investments and living at home with minimal rent Ive been able to save up about 230k.Part of me feels like if I just stay the course then in a few more years Ill be able to buy my first place with a very small or no mortgage which would be huge in the long run. The other part feels like Im crazy for staying at home and should be renting an apartment in the city to try and make the most of my 20s while they last.Any opinions?  <response>: As a 28 year old who doesnt have anything close to 230,000 saved, KEEP SAVING for as long as you can. You have no idea how well off you are compared to other people your age, or even compared to those in their late 30s. DO NOT think that what youre doing is stupid - its not. Its incredibly smart and effective. You are doing better than 99 of those anywhere near your age bracket, and its because youve done a fanfuckingtastic job saving. If this were a democracy, I would cast a vote for the keep saving until youre 30 department. Then I would buy a modest home in cash, and start saving and investing all over again. You could retire and live a fucking amazing life by the time youre 45.Also, theres no reason you cant go out and have fun. Theres nothing keeping that from happening! 