This is a fun exercise. What if I continue to work till 65 years old and remain financially efficient? How am I going to spend so much excessive money, which doesn't value-add to my philosophy? Assuming I don't like debt and only buy luxury items when I can fully pay off. This is how my major financial milestone will look like: As you can see, I have no idea how to spend on luxury items. Mini-cooper and penthouse is what my wife dreamed of, not mine actually. My chart will be empty after removing these 2. I will become a slave employee until 65 years old, when I am no longer handsome. (You know I am kidding). What do I actually gain except long service award from the company? Unless the job satisfaction is higher than my personal satisfaction. I really don't need excessive money. I am living and enjoying ......