How do people save money just to spend it all on stocks?


I’ve seen tons of portfolios here and WSB with account balances of well over 100k.

I’m 22, live with my parents, and have a steady stream of income but it would take me years to reach that number. I don’t understand how people can save over a decade just to blow it all on some stock or crypto.

How did you have the mentality to not spend your money for so long and work every day, just to go “I’ll go all in on an index fund!” or even worse a penny stock, options, or crypto.

I waste a ton of money on fun stuff (weed, video games, Uber eats), and I always think “I should be investing this in an index fund”, but then I check market and everything is down from it’s crazy ATH.

Should I keep buying weed and video games or go all in on an index fund, neither of those options seem good to make money in the next 1-2 years?


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