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Be selfish
Life as we know it is likely an unplanned cosmic opportunity and you only get one shot at it
So strike a balance between living your life now and working towards some ideal future state
When you're dying you're not going to be thinking about how great your retirement was due to solid planning when you were younger*, you're going to be thinking about all the things you wished you would've done if you had it over again
*you should definitely still plan for getting old
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