However you also risk not thoroughly enjoying the fruits of your labors, like saving all those ethers past the end credits. Life is about balance.This balance is best achieved by living within your means, but setting your means lower than your income by 5-15%, and investing that 5-15% diversely and wisely. If you always live up to the edge of your means, you'll never feel like you're ahead. If you invest wisely, and get a little lucky, you can retire late middle age and live comfortably off the interest.