So retarded.
You don't need any fucking money in your early 20s. I was happy as shit living in a $300 / month apartment with my gaming pc.
You DO NEED money when you're 40 and have people counting on you.
Don't be a dipshit who doesn't plan for the future.
Imagine being 40 and telling stories ab the Mclaren you had at 20 as you put the fries in the bag...