You know what's a good amount at that age? Having enough so you can say gfy to any employer, customer whatsoever if you have to, but also enough time to keep stacking for later, whenever this will be.
Discussion
But I totally feel you and ask myself the same question sometimes. My conclusion always is that it's not enough so I just keep going a little longer. Probably for many more years.
The movie layer cake, makes me hope you aren’t correct, but in my heart i know you are telling the truth