As a 20 year old you have the ability to stay up all night, go to concerts, travel, do crazy and awesome shit, and really enjoy life without getting tired and worn out. But you don't have the time or the money.

I have the money from working full time from 16-(almost)22 but I'm so tired/burned out every week that I don't really want to go out and do anything, other than meet with friends a couple times a week. More so now that we're getting towards winter. I feel like if I quit my job and travel for 6-12 months or whatever, when I'm done I'll struggle to get a new job because of the gap.

And then there are also lots of 30-50 year olds including family who are constantly telling me I should use the money for a house/flat deposit. There is so much mixed advice. If I died tomorrow I wouldn't be satisfied with the way that I've lived.