> But I like to believe that with that difference of $12k I'm buying time. As long as the semi-passive income from the apps leaves a bit to be saved every mont

> But I like to believe that with that difference of $12k I'm buying time. As long as the semi-passive income from the apps leaves a bit to be saved every month, and there are better things to spend life on, then it seems to be a good choice. However, modern money system functions well enough that earning a lot a money in a period of time will afford not having to do that later. The question on what to spend time on is definitely harder a priori than a posteri.