bro you could live off of 22k 20 years ago. this idea that "oh you missed investing", brother, if you have disposable income, chances are you probably are investing or doing low risk shit... like poor people don't got time to invest man... donkey logic here
Tony Robbins: iPhone has ran for 18 - 19 years. If you got an iPhone each time, you spend $22,000 and some change at retail price... But if you bought Apple stock, same amount of money on the stock you’d be up $326,000 instead of being out $22,000