Bass posted...
Your stance isn't that bad. You'll probably be happier than someone up to their eyeballs in debt even if it isn't optimal. If you keep up with the investing you'll be setting yourself up for a good retirement. You still have a lot of time left to grow your money.
I never understood what it could be like to actually grow wealth until relatively recently. The idea that I could have money beyond what I need to pay bills for and a little bit extra "just in case" has been foreign to me.
And now I'm realising...fuck that. I can have 6 figures in cash just sitting there in less than a decade without too much hard work, if I'm smart. That was eye opening.