Comment by saiya-jin

Yeah that's a junior mistake. In this case, a person can have a solid 20+ years of great career and still do this basic mistake. World is full of people rich and poor, smart and not so much, who end up regretting their life choices when getting old.

I would say it differently though - do I have +-guaranteed massive return that over-compensates my extra effort and loss? If I get something meaningful, ie paid next 5 amazing vacations, can retire 1 year earlier, pay off massive part of mortgage or something on similar level, then I can at least consider it.