I find that a lot of people, including myself, have many aspirations and desires in life but even when we know what they are we do not do anything to get to those goals. If you know you want to have extra money to buy a home in the future why don't you do everything to get that money to buy that home? What about the people who know they will have school debt? Why not start a side job to lessen your debt in the end. Not saying go crazy and not do what you love but why not try. What goals do you have that you haven't moved forward on? What would get you started?