I think it’s more complicated as a 40h/week could be around ~40% of your time during the working years of your life. Making sure working doesn’t make you unhappy for the rest of the week is a huge deal.

Similarly, having more money hits serious diminishing returns. Watching a 500$ TV vs a 5,000$ TV doesn’t actually change much in the moment. Jump all the way to a 500,000$ home IMAX and watching a terrible movie still sucks.

I think a better question would be: "Do you want to enjoy your life while you're young, thus increasing your odds to live longer and better[1], or bet you'll live to an older age and, hopefully, enjoy life when you're old?"

1: https://www.cnbc.com/2018/03/27/how-research-shows-you-can-l...

For me, I've found that no matter how much I've enjoyed life in the past, other than good memories, it does nothing for me in the present.

I still enjoy life in the present but I do sacrifice a bit of it so I can also enjoy life when older.

If you don't want to completely sacrifice today for tomorrow you simply adjust the age related weight in the Excel sheet :-)