Taking money off the table

(zachholman.com)

135 points holman | 1 comments | 30 Oct 25 18:50 UTC | HN request time: 0s | source

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GCA10 ◴[30 Oct 25 20:04 UTC] No.45764665[source]▶

There's a crucial extra factor that isn't in the original article, but ought to be: Money's ability to buy great experiences decreases as you get older. I've seen this with beach vacations, road trips to see a favorite band, fast cars, ski trips, etc.

Seize the moment, friend! What you can do NOW with that 10% slice will never exactly be on your possibilities map again.

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jocaal ◴[30 Oct 25 20:24 UTC] No.45764897[source]▶

>>45764665 #

I don't agree. How can wasting your money in your twenties and thirties be more valuable than saving for an early retirement. Imagine being able to retire at 40 and do whatever you want. If you weren't stupid, your health should be good enough. Why prolong the time you have to do stupid chores for other people when you can be strategic and opt out as early as possible.

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1. dkural ◴[30 Oct 25 21:21 UTC] No.45765519[source]▶

>>45764897 #

Taking some time off to travel when you're young is much more than a beach vacation. You meet people (sometimes you meet your future wife), that can become lifelong friends. You learn what you like and don't like; and that the world is infinitely more complicated and beautiful than what you could imagine through books and watching youtube.

After 40 you've already made many of your major life decisions - career, partner, education, kids etc. There's less room for new experiences to alter that trajectory meaningfully.

One thing I've also realized through being lucky enough to enjoy some "semi-retirement" between work is having a healthy balance makes me appreciate both work and "leisure" more. It gets pretty boring to go to the beach every day, it turns out. I was itching to get back to building something by the end.

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