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This makes sense if you're going to try to get a big payday early in your career - trying to build a unicorn startup in SV and cash out by 30. That sort of makes sense to me. But maximizing earnings by working 60+ hour weeks so you can retire at 55 instead of 65? That's a pretty high cost for not a lot of reward, as far as I can see.


What do you want to do with your life?

There is no single right answer to that question so you need to figure it out for yourself.

Some of the answers require you to work 80+ hours a week (at a good job) while living in a tent so you can save every penny - when you finally retire at 68 you will just barely have enough money to enjoy the last 5 years of your life spending all the money you saved over the years.

Some answers you save 50% of your income until you retire at 40 to live the life you choose.

Some answers you save 10% until 65 working a 40 hour a week job.

The first allows you have an expensive hobby (sail the world in a very nice yacht). The second means you have to enjoy not buying anything. The last is a reasonable compromise for most of us.




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