But there should be a balance surely. I keep hearing this argument - but if you take it to face value you should maximize the present value. Why show up at work

But there should be a balance surely. I keep hearing this argument - but if you take it to face value you should maximize the present value. Why show up at work at all. Why pay insurance, pension at all then? There is a balance and the FIRE people are leaning more towards postponing benefits. I am sure not are on the extreme side (as the article seems to point out).