Your best chance at having decent mental health as an adult is if your life turns out about 10% better than you expected at 14, by your definition of “better”. Or alternately, being able to look back and say, honestly, “it was 9% *unexpected* luck” (serendipity).
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I’d argue that the graphing of 10% over a lifetime is a parabola. Consider the Peter Principle
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The other view is that of the underwriter: a ten percent cushion on the float... which should really be fifteen... HA! Calibrated. See "greenshoe options".
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Middle class folks who obsess over IPO pop-glory state myth miss out on compounded returns of boring index fund... ..aka real estate investment in erstwhile backwater now center of emerging mkt metropolis OR engineered doctor/engineer career path.

mental fitness -
The Individualist IPO vs Cooperative index fund are two cogFin mental models here.
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