I don't think it's controversial. For one thing, I generally advise people to try to be prepared for future financial catastrophic events (job loss), but also

I don't think it's controversial. For one thing, I generally advise people to try to be prepared for future financial catastrophic events (job loss), but also enjoy the fruits of your labor in the short-term. Also, most of history has proven out that the most reliable path to wealth is self-employment/entrepreneurship. However this also has very high risks, so if you're not ready to FULLY commit, your best option might be a 9-to-5 and a slightly less spendy lifestyle.