Fair enough. This is definitely a personal thing though. I was like that for a while and went all in on FIRE type stuff. The thing is that eventually, after I

Fair enough. This is definitely a personal thing though. I was like that for a while and went all in on FIRE type stuff. The thing is that eventually, after I did take off that N months, I realised that it's unrealistic to assume I'd have no/almost no income for multiple decades. I would go insane without having productive work, even if that were working for a non profit for a significant pay cut. > Not 'working' means ... a day where savings isn't going up, etc. This is true regardless of how much money you have. You're always going to be able to add some more income by performing labour, even if your investments outperform your labour after a point. It's worth loosening the straps at some point, even if you just give someone else the money to spend (e.g. charity).