Most people here, even most software engineers, don’t make the sky high salaries that “very high-level FAANG engineers who also live in the Bay Area” make. Many have families, kids, education expenses, parents they support, expensive health issues, etc. It’s a huge assumption to think that everyone on HN can max out a 401(k) at all, let alone have any left over to save and blow on extended unpaid vacations.

EDIT: Obviously (from the voting) I hit a raw nerve with that original comment. Who knew “save for retirement” was such controversial advice. I personally plan to ensure I do not have to eat dog food when I’m 80 because I partied in my 20s but I guess to each their own. Given the average American’s retirement savings rate, my plan is clearly unpopular!