AK is a very responsible person and is a good role model. I get the feeling that some people think that way. Well, I don't think so. I am sharing something from my FB wall here and you are welcome to eavesdrop. AK says... I am enjoying life now and doing stuff that I didn't have enough time to do before. I was disciplined and thoughtful so that I can be less disciplined and thoughtful as I enjoy an early retirement. Don't ask: "When you have to stop working, can you afford to?" Ask instead: "If you want to stop working, can you afford to? Reader says... That make sense and was my motivation and is my justification nowadays.  But to probe more if you are ok to share, what criteria is used to decide how you spend your time on stuff you like? ......