I'm 40 as well, and have learned the hard way by making the wrong decisions: always focus on the 'fun'. You'll never regret fun and it takes orders of magnit

I'm 40 as well, and have learned the hard way by making the wrong decisions: always focus on the 'fun'. You'll never regret fun and it takes orders of magnitude more money (not 10% but at least 2x) to make up for fun.