I think the answer is more philosophical than a formula that applies to everyone: in that sense i would say: save like your pessimist self would save and invest

I think the answer is more philosophical than a formula that applies to everyone: in that sense i would say: save like your pessimist self would save and invest like your optimistic self would do. Like a grandpa would say, "To Each Their Own" My optimistic self will probably always invest way more conservatively than someone investing on margin...