There are some people like you who are what I call optimizers. The problem with being an optimizer is that it can actually serve you really well. Like you over-save, you set yourself up amazingly well, you've done great. Every day you look and you're like, oh, the number's going up, like I'm so cool, let me keep doing it.

The problem is that if you take it to its logical extreme, optimizers become unbearably boring and unbearably cheap. They look at cost, the price of a lunch, they go, oh, that taco, we could get it today. But if we actually take the money and invest it for the next 45 years, that $12 will actually turn into $1,664 and they just end up doing nothing.

I love optimizers because I get them. It's kind of funny, but also it's not funny. I want them to realize there's a certain point where you won. You won the game. The point is not to look at another model or another fire subreddit. It's actually to have gratitude, give yourself a big pat on the back, celebrate, and then turn the page and start focusing on the next chapter, which often is learning the skill of spending money meaningfully.