Seize the moment, friend! What you can do NOW with that 10% slice will never exactly be on your possibilities map again.
Excellent point. You may have just talked me into retiring.
> What you can do NOW with that 10% slice will never exactly be on your possibilities map again.
Maybe not... but "once in a lifetime chances" come around more often than you think. You don't have to take every one right now. (As you get older, options narrow, as you said.)
- https://www.diewithzerobook.com/welcome
Read it earlier this year and it definitely changed some of my thinking along those same lines.
My loose summary of the book:
"Any money left in the bank when you die is essentially wasted - you could have used it to have experiences when you were alive, or given it to family / charity earlier when it would have had more benefit. Figure out what major experiences and memories you want to have in life, plan to do them earlier when you have health and time, and build up memories for later in life."
I didn't find the discussions of how to plan out retirement savings very useful - there's a lot better info on withdrawal approaches in various FIRE-related groups.
But the "be willing to spend now on activities you might not be able to do later / don't hold off on 'living' until you're retired" argument made a _lot_ of sense to me for a variety of reasons, and it was a major factor in researching early retirement a few months later (and deciding to make that a new goal. along with taking more vacations before then).