The Mexican fisherman story [1] is what it comes down to for me. You can work a little, play a little, and generally have a good time with life and get by (Mexican fisherman), or you can start a business, work long hours, build a fleet of boats that makes a ton of money, and then sell it all someday when you retire, at which point you can work a little, play a little, and generally have a good time. (American businessman).

For me, I make enough to get by and then some. Yes I could work harder, but life is pretty good this way.

[1] https://bemorewithless.com/the-story-of-the-mexican-fisherma...