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Here's another take on it though...
If you reach 40, have no debt, no kids and no house (of your own) - you may start to have some regrets. Particularly if there few friends of your own age with similar aspirations. You might also wonder about your security in old-age.
The sheep analogy is a good one and useful to keep in mind, as some people seem to sell their soul for marginly more interesting houses/offices, but don't forget that there's some value in these aspirations also.
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