How are you doing financially? How far is your money reaching? Do you have a physical budget that you match with your paycheck? Or, do you just spend freely and hope you have enough money when the bills come due?
Are you borrowing money from your retirement plan? Did you borrow from your 401(K) to go on vacation? Are you buying lunch every day because your friends expect you it? What do you do with your retirement accounts when you leave a job? Spend it?
You should be investing money all the years you are working, no matter your age. As long as you earn you need to invest. Don’t give your money away because that is the thing to do?
