I love your perspective and am reaching the same conclusion from a different angle. I'm 30 and was hit in my early 20s with Lyme disease, which causes a lot of side complications. I spent my early 20s working at a high stress job to afford healthcare and pay my medical bills. At 29, I moved to Germany, am getting better healthcare, and am working at a slightly more relaxed pace because it supports my health. As one other reader shared, the question is, are doing something you enjoy and looking forward to tomorrow? I am now, even if I'm making Less money to put away for a distant future