Consider a drastic change in your life right now, one that entails short-term lifestyle modifications for long-term payoffs. Retire early; live beneath your means. Just because you can afford a BMW and a house in a ritzy zip code doesn't mean you need it. Don't overextend yourself -- instead, pursue a comfortable, but frugal lifestyle. You'll need less and you'll have plenty of money leftover for leisure in later years.
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