[handwarmers]

I am not sure if you are really young, but you definitely sound like either nothing quite earth-shattering has happened in your life, or maybe some stuff has happened, but you have chosen to be very selective about how you digest it.

Sometimes life hits you like a truck, and you get trapped under that truck for a really long time. Then, once you get flung in the ditch and think you just had the most horrible N months/years of your life, a whole colony of fire ants starts crawling on you and pulling you apart.

So, yeah, sometimes certain actions could be a sign of privilege, sometimes, they could be the tiny thread giving a person a lifeline.

Being able to only optimize for proximity to retirement could be a more "privileged" state to be in, than having 80k in Canada in certain contexts.