That is true, but when people are young they tend to be naive thinking they have their whole lives ahead to save up.. Then when they realize it 30 years have passed and your in your 50's with a mid life crisis 😂..

Nah I think I'm going to jump on it, but that's also if ot stays at 20% for the next 38 years... But even if it just sticks for at least three years on 20%