I recently hit 22, so am I welcome? I am having an unplanned indefinite vacation time right now, due to the difficulty of the Southern European job market. So I am living like a retiree at the moment. Your mention about studying more at uni does hit home –the whole post does–. Prior to the recession and as kids we often heard a phrase such "Study, so you can get a future", "Look at that person (point at some blue collar), you must study unless you want to be like that". So I am a business graduate, but that doesn't guarantee anything nowadays! –not even an MSc– The job market here is totally out of whack, and recalling the dissing towards blue collar jobs... They are honest and there are tons of underemployed people. I do have plans, having spent a semester in Scandinavia, to move up north. I also like its relaxed style and career framework much better than the Spanish. Plus with planes it's not that far. (sorry for the rant here) Spain is (in words of my dad) a nice place for rich and retirees. For the known reasons. I am very measured on spending and finances, my first ambition and expense is photography and travel. My father is 60 and wants to retire ASAP, recently he was indirectly told about extending a year. It is ironic that he's got to work more and I do not get a job yet. So there is a lot of retirement talk at home. He always talks about the subject and telling me to keep it in my head. With the low incomes at the moment it's hard to save, but I'm not an excessive expensive person and it slowly is. Tempus fugit indeed. A few days ago I read some meditations about the decade of 20s and how it should be profited. When I was in high school I recall listening do Led Zeppelin's 10 years gone while thinking about the 10 years before, about childhood... That was, 5 years gone ago!