I'm 27 but I bought an old bike to fit in, halfway kidding...
For me money isn't the biggest issue--even as a teacher with no outside support-- I would say that the hardest thing is using my time and money resources to build a formative travelling experience vs building career experience (in the corporate world) and investing (in real estate or financial instruments).
I've chosen to go RTW, as I think it is the most valuable use of both, but that's not to say it wasn't a tough choice or one that isn't constantly questioned by some older folk in my life.
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