&gt; The idea of working 10+ hours a day, 5 days a week (if I&#x27;m lucky), 50 weeks a year for the next 40 years just doesn&#x27;t appeal to me.<p>I used to think like that when I was 20. One thing I&#x27;ve learned (will be 40 soon) is that the time passes anyway.<p>If you&#x27;re lucky, you&#x27;ll get to be 60. You don&#x27;t want to be poor when you&#x27;re 60. Of course, you don&#x27;t want to delay gratification unduly, but beware of doing the opposite.