I refuse to work full time since having to go back to fiat mining - my times worth a lot more to me these days, especially since I'm essentially "middle aged" now.

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Once I finish school (paying cash) in a couple years, my wife and I will be roughly half time in our early 30s. I think you have the right idea. Working to consume really just isn't worth it. I'm okay with my 11 year old truck and used phones!