You have to go to school, and in science class you’re told you have to dissect a frog. You might say, “I don’t want to dissect this frog.” But then your teacher says, “If you don’t dissect this frog, you’re going to get an F in this course.” So you say, “Okay, I’ll dissect the frog.” You’re not given much of a choice there. But when you become an adult, you get to choose many of your experiences: You get to think about how you want to explore life and to decide for yourself where to invest your time and your money, and when to make these investments.