at the age of 20 years, humans do not have many necessities of life, so they are free to work as they think. that way they will have various experiences and overcome the problems they get, so that with increasing age their psychologically matures and finally they will have financial freedom at their relatively young age.
That's actually true, but it's at this age stage that people spend the most money, relative to their incomes. In their 30s or early 40s, they realize that they have little in the way of savings or assets, and then they become jealous of others who have, those who saved money and invest it cleverly. Then they start to vote for socialist parties that make everything worse.