I was the friend lol <| sep |> Because I ' m at work . <| sep |> 0 % student loans ? Didn ' t know there was such a thing . Even if long term market returns are muted compared to their historical averages , they will still return more than 0 % and likely more than the 46 % most people are paying on their loans . So you ' re completely incorrect . Pay the minimums , save 36 months of expenses , then start investing in a well diversified ETF portfolio . Bypassing investing during your earliest years is one of the biggest mistakes you can make regarding your future see compound interest and dollar cost averaging . <| sep |> I love the smell of freshly spilt tendies in the morning . <| sep |> Climate change is real but solution proposed are just going control and strain us