Went through exactly the same a “moment” ago. Similar background.
MY perspective is this: I can be perfectly happy just with myself, don’t need much money. All this perspective changes, when you add people to the picture. Like a girlfriend or family.
Then you need enough for secure future and freedom. Maybe You just didn’t get there yet.
My advice: get em beforehand, it’s always harded after you realize you need them.
But, stop at the propper time to still have life for yourself.
That’s because nobody teaches that anywhere for real.
Perspectie of the people, like me, who spent 3/4 of their life in a corporate machine+schooling system, is that even tho I really want to, I don’t even know how to do the first step. Where to start. Zero. Nothing. Stuck in the matrix.
Look for info “on the web”? ok, who’s telling the truth? who’s a scammer?
Easy to judge if you have experience, your own or passed from your parents for example…
For me? Not so much. Had neither, was raised in a communist country. Lived a corporate life. GG.