Aiming, at every point in your working life, to have moderate annual savings, moderate free time, no more than a moderate commute, and at least moderate time with your family, increases the odds of being able to stick with a plan and avoid regret than if any one of those things fall to the extreme sides of the spectrum.

When you reach the end of this life, can this version of you hold a feeling of satisfaction, without many regrets and actually joyful? I believe you can.