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>Plus, I've found the people who were hyper focused on retiring early or achieving financial independence to be less happy and more self-critical about their financial decisions.

I also wanted to comment on this.

What I have observed about FIRE folks is that they start optimizing everything for FIRE.

This isn't a healthy way to live, certainly not in the long run, and it's not like this goes away once they reach FIRE.

Here's an article where Mrs. Money Mustache shared how uncomfortable she was about her parents taking her and their son to the movies, then to an ice cream place.

She was already retired, literally a millionaire.

https://www.mrmoneymustache.com/2012/07/27/youll-never-be-no...