As you grow up, you learn certain kinds of competencies, and even if you did not officially learn how to manage your finances, at some point in life, you likely will need to learn how to manage your finances, and if no one teaches you, then you have to learn yourself, including learning how to invest, since if you do not invest, then you are likely going to have to continue to work until you die.. Of course, there might be some state systems that might help you out, but there likely is some value in terms of figuring out ways to improve your own situation rather than relying upon systems that may or may not hold up at times when you would prefer to discontinue working..

There should be some value in terms of building wealth in your youth, so that at some point when you get older you will not have to work as hard (or perhaps not at all) in order to stay comfortable, and no one here seems to be suggesting that any of the choices are easy, but if you fail to act because you are afraid or you want someone to teach you, then you likely are going to miss out upon a lot of possibilities to help to secure your future with better kinds of assets and even having savings that hold its value.

Experience is a great teacher, so jump the fuck in and get started, and if you feel that you do not have enough competence then just start with basics, which is figuring out the kinds of assets or money that hold their value the best and stock up on them, and if you finally at some point come to realize that bitcoin is likely amongst the best of assets (if not the best) then you may well both figure out that you need to learn about bitcoin and you may well figure out that you need to engage in some behaviors to save up upon it, perhaps with a certain amount of aggressiveness, but at the same time, hopefully not so much aggressiveness that you end up recking yourself because you got greedy and you failed./refused to keep enough money in cash (or perhaps other less valuable than bitcoin assets that you can spend) in order to be able cover your various monthly expenses without having to tap into your bitcoin stash during its building and accumulation and compounding stages, which could well take you 10-30 years to build to a meaningful level and to learn how to sufficiently safeguard it too.. and no one is saying that any of these matters are easy, even though you likely will be advantaged by making efforts to learn and to put your learnings into practice earlier rather than waiting around... and hoping that someone teaches you how to be financially and self-preservingly competent.