Time is a factor but not completely. It still seems to be a subconscious decision, and maybe something to do with your childhood upbringing. I see people in t

Time is a factor but not completely. It still seems to be a subconscious decision, and maybe something to do with your childhood upbringing. I see people in the same companies on the same teams who fit into A or B despite doing ostensibly the same job. Now time is finite, and arguably personA decided to send time on income maximization which takes away from time they can spend on penny pinching. While personB has done the inverse. Arguably you could split your time 50/50 or 70/30, but I've seen almost no one do it.