I’m scared to think what the future holds. I bought a small apartment a couple of years ago with a mortgage so that’s the only thing I’m feeling relatively comfortable about. That said, I have -250k in mortgage, -27k in a home improvement loan, 65k in pension pot as I started quite late, no savings. At the moment I’ve no partner, no kids, no car, but I’m scared of thinking on spending on dates or fun things such as a weekend trip. I feel like I’m so far behind and I must save like crazy to reach the average amount before I’m too old to work, or before AI replaces me. That said, I also want to treat my parents to nice trips, spend time with them now when I still can, buy nice gifts for my cousins and friends. I just feel like I must choose to either save and let my life slip away, or spend more in life and then have no money left?
I have an ok job with a good salary but the future is so uncertain. Idk how long my team is going to last.