Qui-Gon: "Don't center on your anxieties, Obi-Wan. Keep your concentration here and now, where it belongs."
Obi-Wan: "But Master Yoda said I should be mindful of the future."
Qui-Gon: "But not at the expense of the moment. Be mindful of the living Force, young Padawan."
Today, this year, these are the good old days, if you write down a bit of what you're experiencing now, you might value it highly in the future.
Don't over think it... go outside, get away from the screens for a bit, and enjoy the day, your youth, and the wonder of it all.
With inflation where it is today - where a young person will pay $800/mo. making $75k/year for an apartment and $2800/mo. for the same exact place 10 years later with the same salary through turbulent hiring and layoff conditions - it makes saving an impossibly uphill climb.
Simply, unless your savings is perfectly continuous and outpacing that incredible inflation you are not actually saving - only penny pinching and still ending up behind.
The core code is simple: discard those to be lost; chase those you do want, yet have not.
As a simple analogy: Do not focus on winning the lottery, when you cannot feed yourself today.
Save for the future but you must not starve today.