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Counterpoint: I sacrificed a lot of my 30s to become debt-free. 40 now and pretty close to FIRE (well I don't know about the retiring part, but the FI part is almost there).

It was totally worth it.

In the end, it's a personal decision. I do agree that if you find the majority of weeks to be acutely miserable, then you should honestly ask yourself if you're giving up too much present for an uncertain future.



I did as well, and we've remained debt free for a while. We're now in that cash poor phase since I seem to love pre-IPO companies :) Was it worth it? To some degree, but at the same time there are some big things on the list that we will probably have to defer for a while now that we have a school-aged child, a pet, etc. All I can say is, do some of those things, and don't fixate too badly on sacrificing everything to retire early. Family, friends, relationships matter, and so on.




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