Thats like Yoda suff :)
I'll be 25 in a couple months and I just got married last year. I don't seem to have hit the crisis yet.
I'm 31. Wife. 3 kids. Live what I guess I would describe as a pretty uneventful life in the suburbs. Live better than I deserve due to finding a job with a pretty good sized income out of college and getting debts paid off and saving quite a bit of it then.
I have several friends in late 20's to around my age that aren't "settled down" yet that frequently talk about their experience travelling, going out a bunch, going to road games of their college and pro teams, and other things that come with not being "tied down." I'll admit there have been some times that I have been a little envious of all they get to do, but then I talk to some of them and find out they are generally happy, but flattered to hear they are envious of me as well. Guess it goes both ways. Moderation is key. We try to take a nice vacation every year, and through my job and some of the groups I'm involved in I have been all over the country.
One thing that my wife and I talk about, and I really feel like it has changed our outlook on what we do, is that neither one of us have a passion for what we do for a living. I would say we both enjoy and tolerate it, but passionate is certainly not a word we would use to describe our jobs.
That being said, understanding that a job is a necessity to do and have all the things we want and do have a passion for has changed our outlook on it.
I think someone mentioned it earlier about volunteering. I started coaching, my wife does a ton of stuff in my kids' classrooms and we both have got more involved in various things through our church. SOmething that really makes us feel like we are making a difference.
Some would probably disagree with what I said, and it doesn't necessarily match up with the feel-good notion of "following your dreams" (I can certainly appreciate those who have that mentality though), but it has worked for us.
My solution: Work like crazy at multiple jobs while living as frugally as possible. Have kids young so they are out of the house by my mid to late 40s. Retire in Maui with millions in the bank.
I, however, prefer to have the best time of my life right now. (in my mid 20's) I certainly don't do everything I want to do, but I also don't live super frugally either. I don't have any huge debts (other than student loans), & I'd say my current 401k amount is decent/average for my age.
My main reasoning is the future is so unpredictable. By the time I reach retirement age my investments could tank, I could be disabled & not physically able to enjoy anything, or I could be dead...
Personally, I'd rather have fun/travel while I'm young while still saving moderately. Retire modestly near the grandkids & enjoy the hell out of them.
I think anyone pondering this should focus attention in the opposite direction - find a way to make yourself alot of money. Then you can have both. Beaches and people serving you the drinks. That's the system like it or not. You can serve the drinks or you can have someone serve them to you. What I've found at the ripe old age of 43 is that even people with money SAVE IT! Keep that in mind. Live at or below your means and you will always be happy and wanting for nothing.
You're 25. That's a lifetime to some people.
Don't worry about age. Enjoy every age you are.
I lived frugally and now get to spend half the year on the Beach in FL and half in Iowa where I enjoy my connection to the life I had for 55 years. I wouldn't trade my life for those who "lived it up" in the 80's being yuppies. Guess what. When you're 30 you're still going to want to have fun, 40, 45, 50, 55 etc. You can have fun for as long as you're alive.
I met people who were happy wherever they lived and took a big life lesson from that. Life's enjoyment is the state of mind you place yourself in. Some people in Hawaii with trust funds are miserable. "Life is what happens to you while you're busy making other plans."