> Seriously, it's the only decision that makes sense if one has the chops to get into one of those places.
For you, sure.
There are better ways I can think of spending my 20s and 30s than just setting up for retirement in my 40s, because when you're in your 40s, you're not in your 20s or 30s anymore.
I never said "than _just_ setting up for retirement". I am in my early 30s and early retirement has always been a major goal for me (grew up dirt poor and suffered because of it), and yet I don't feel I will ever regret working very hard during this past decade, since it allowed me to accomplish some things I'm pretty proud of:
- It allowed me to immigrate to the US and become a citizen in 8 years, coming from a poor European country, thanks to my engineering background I obtained by getting a BS + MS in computer engineering while other acquaintances were going down an easier path (e.g. "I don't want to waste my early 20s studying").
- It allowed me to live in San Francisco, an absolutely amazing city where I am having the time of my life, cultivating relationships with my diverse group of friends, exploring nature, ...
- It allowed me to work on very interesting projects and technical work.
- It allowed me to travel without worrying about budgeting, I take a month of international travel every year and in between jobs I took a 4 months break to explore more deeply SE Asia.
- All that hard work allowed me to be incredibly well compensated, and in my very early 30s my liquid net worth is in the 7 figures now (started from exactly 0 out of school), which gives me an immense freedom for the rest of my life.
So, I didn't "_just_ set up for retirement", and had I been in FAANG I would have likely done exactly the same (since that's what my friends working there do), just being paid more so right now my net worth would be even higher.
I'll certainly agree to disagree since my statement was perhaps too strong, but I just wanted to bring the perspective that one can work hard with an early retirement goal without giving up on the things that one could "otherwise enjoy" if pursuing a different goal.
For you, sure.
There are better ways I can think of spending my 20s and 30s than just setting up for retirement in my 40s, because when you're in your 40s, you're not in your 20s or 30s anymore.