Unless I die tomorrow and never get to use all the money I suffered for now to use later.

Don’t get me wrong, it’s a balancing act. But there’s no promise I’ll even make it to retirement. So I’m going to enjoy my now, just in case.

Who’s working “maybe” 3 hrs a day… all the programmers I work with every day are on 10 hr days right now……

But I’ve seen enough of your comments in this thread, so I’m super sure you “know a guy” who will prove little ol me wrong.