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Funny. The FIRE people I’ve spoken to have an attitude of “if I’m going to do it, I may as well go all-in.”

Yes, but at a much younger "older." Just working within the broken system for a potentially less-bad outcome.

> spend the youthful years struggling

This would be accurate if remuneration were proportionate to how much you struggle, but from my observation of life, it really is not. There's no shortage of people who bust their asses for wages that I wouldn't be getting out of bed for.