Thing is, when you start saying yes to stuff, and start finding yourself in new places with new people, new opportunities present themselves. I am much materially wealthier now than I ever was when I worked for a living, partly due to income through new connections, partly due to a vastly decreased cost of day to day living by emigrating, and travel has become considerably cheaper as friends I made along the way make for happy hosts, or travel companions to split the cost of something outlandish with.
For example, I invested in an Australian I found wading in the mud at Aralsk, I befriended and helped out a PMC owner I met in Antarctica, and I robbed a Russian oligarch I met on a megayacht, in that order. All were lucrative. One of those falls into the “probably shouldn’t have” category (no prizes guessing which), but is still a “wait, I actually did that?”, and taught me more about myself and this strange world than I anticipated.
Time remains a luxury, but life is short, and easily squandered, so I spend it thoughtfully.