I think it’s more complicated as a 40h/week could be around ~40% of your time during the working years of your life. Making sure working doesn’t make you unhappy for the rest of the week is a huge deal.

Similarly, having more money hits serious diminishing returns. Watching a 500$ TV vs a 5,000$ TV doesn’t actually change much in the moment. Jump all the way to a 500,000$ home IMAX and watching a terrible movie still sucks.

I think a better question would be: "Do you want to enjoy your life while you're young, thus increasing your odds to live longer and better[1], or bet you'll live to an older age and, hopefully, enjoy life when you're old?"

1: https://www.cnbc.com/2018/03/27/how-research-shows-you-can-l...

Or, you know, something in between. It's not an either or.

For me, I've found that no matter how much I've enjoyed life in the past, other than good memories, it does nothing for me in the present.

I still enjoy life in the present but I do sacrifice a bit of it so I can also enjoy life when older.

If you don't want to completely sacrifice today for tomorrow you simply adjust the age related weight in the Excel sheet :-)