>just could gave tried less hard and easily worked 5 to 10 hours less per week with the same result. I think this is an important point. Too many people spend

>just could gave tried less hard and easily worked 5 to 10 hours less per week with the same result. I think this is an important point. Too many people spend too much time at work thinking all those extra hours will somehow pay off for them. They almost never do: the slacker co-worker who leaves after his 8 hours are done might get a slightly lower raise, but after 10 years you won't see a significant difference between the two in savings or career trajectory, all other factors being equal. The slacker might not be as well-liked by management, but he'll quit after a couple of years anyway and go to another company and get paid more than the hard-working guy putting in 60 hours/week, then do the same after 2-3 years, etc. Loyalty is not rewarded.