I have thought about this quite a lot. I read a lot on FIRE and on personal finance. I think the thing no one mentions in this thread is the possibility of you not making it to 25 years? What if you get a disease or a car accident? You saved all that money for nothing.

I think it's important to enjoy the here and now, but also plan for a future. You never know what could happen. I think it's silly not to just enjoy the moment while you have it. Yes, be fiscally responsible but don't forget the purpose of money is to barter for things you enjoy.