Younger workers, adds Galloway, are at the stage of their careers when they can devote as much energy as possible in securing subsequent work-life balance. “Every young person should be realistic about what kind of capital they’ll need to support their life, and the commitment they need to make when they’re young in order to obtain it,” he says. “The universal truth is that if you weren’t born rich, but you want to retire with economic security, the job market is super-competitive – it requires a significant investment of your time and energy.”
