"Instead, work your ass off to get out of debt, get some liquid savings together including diversified traditional retirement investments, and then free up some money to invest." Well said! That's what I did for 45 years. Now I have what I want. The point to add is this: "Learn about saving and investing so you can invest wisely."

Warren Buffett sums it up: "work hard, spend little, save alot, invest wisely"

Don't save what is left after spending; spend what is left after saving.