Go hard until you have kids. Until then you can be compounding harder for their future without missing out on any time with them because they don’t exist yet.

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Those timelines don't quite line up, but there's a middle ground

There’s no time. There’s only money left on the table pre-kids that could have been compounding once you have them

Said differently: you won’t have more time to grind when you have kids. Best do it now. Any additional effort now is more time you can afford to take off in the future