but its also worth hammering that point bc a lot of folks dont get it til its too late.

generally speaking, your time is more valuable than your money is.
you always can use your time to get more money if you need it.
but our time is finite, so using money to buy some of it back for yourself is usually worth it
(and i fully acknowledge this is some super privileged shit, to even get to make those types of decisions for yourself - but even the folks that have that opportunity don't often take it)