> its marginal utility only decreases when you have enough to retire. If the only thing you value is retirement and complete freedom indefinitely. Personally I

> its marginal utility only decreases when you have enough to retire. If the only thing you value is retirement and complete freedom indefinitely. Personally I'd much rather have an extra day on my weekend now, and have to work an extra year at the same pace I'm working at now (and enjoy it too) rather than minmax to the point of sacrificing everything for the next 15 years to finally be able to do what I want to do - which is what I have right now.