My very good colleague who was absolutely brilliant statistician shared his wisdom: Max the now, min the future.

He focused on the present but hated work, it was utterly boring to him, even if objectively the work benefited humanity. One day he quit and never came back. He spent his time learning to dance salsa. He was in his mid to late twenties.

Of course he was an extreme case. But his zen is important to take and balance together with future planning.

I think you can do both, aim for fuck off money but put aside a little bit for the future.

Edit: if youre wondering what happend to him - he's studying electrical engineering because I suspect he's aiming to not be behind a desk.