What would that look like? Do you have kids or a family to support? I'm one of two gainfully employed breadwinners among an extended family of 13 adults and 2 kids (my own).
I'm lucky: I worked very hard and did decently well in the startup lottery, but I still left myself enough time to forge valuable relationships. I've witnessed people who chase higher and higher salaries but aren't that lucky, and end up using the years of their life where their mind and body are at their peak of their ability for work instead of play, and regret it.
I'm in my 40s now, and see some younger friends and acquaintances doing things like taking multi-month world trips, diving head-first into new hobbies/skills that take hundreds/thousands of hours to get good at, and I wish I'd done things like that in my 20s and 30s. In part because my responsibilities today make it difficult to do now, but also because I just don't want to do some of those things anymore, because they sound kinda exhausting at my age. But I still wish I had those experiences in my past to look back fondly upon.
I guess what I'm saying is that nothing is certain, and we can't reliably look back and say "if I'd done X 15 years ago, today I'd be able to do Y". Life just doesn't work that way. I think we should do what makes us happy whenever we have the ability to. Sure, look hard for and always be open to opportunities to take on work that could make a big change in your financial life. But be careful with those sorts of choices, because there's always opportunity cost.
I don't want to wait until I'm 69 to retire for at most 11 years.
Plus none of us know how much time we actually have. A lot of people plan to retire at 68, die on the job at 67, and your replacement is in your chair next week.
Precisely because of this, you should be making music and games now. You never know if once you reach the amount of money you desire, death will knock on your door.
If you are already doing it, that's great. But so many people defer the enjoyment and overwork themselves waiting for that future where they hit the number.
I'm moving towards open source now, I do publish some projects under a different HN handle.
> I know lots of people with 5x the income of me, but their expenses and lifestyle overcompensate, so they are much deeper into the hamster wheel than me.
Yes. A thousand times this.
That's not a good assumption to make for everyone. There are many people who do grow income without growing expenses (see the whole financial independence movement).
I spend about as much now as I did 7 years ago when I made 4x less.
This keeps getting repeated but I don't think it's that universally true.
I had a job, I saved money, I retired early. I am content with how much I have. I am not particularly frugal and I don't obsess over markets or how much I spend.
Here comes a secret: It will never be enough for you. It's not the money that counts. It's the ratio of income versus expenses, if anything. And if you grow one and don't stop the other one from growing in unison, then you have gained nothing.
I know lots of people with 5x the income of me, but their expenses and lifestyle overcompensate, so they are much deeper into the hamster wheel than me.
I could retire any day (late 30s). I currently don't do it cause my work is fun and I like the people, and the more I keep going the higher my expenses could become if needed. But the finances don't keep me in my job. And if anything comes along that looks sustainably more fun I will quit in a heartbeat.