It is important to realize in America at least, retirement seems a bit further out of reach to younger generations. So this may be really important advice for those entering what may well be the peak of an unprecedented bull market that padded the accounts of those retiring or retired, but that may not have done anything for someone young under or unemployed.

So maximizing income seems like pretty good advice right now, especially if we have bumpy economic roads ahead.

The good news is that thanks to a shift towards remote friendliness, holding a high paying tech job (which I'm assuming is something many on HN are capable of) while in Ibiza or Bali may not be as incompatible as it was for older generations, wifi permitting.