I think the general advice to come out of the gate and make lots of cash for the first 5-10 years makes a lot of sense; eliminate debt, get that compounding interest nest-egg going, you likely have the physical energy/stamina to do it. Obviously I wouldn't recommend 24 shifts a month, but 16 with a couple per diem here or there... absolutely.
For me being about 12yr out, the question of when to take the foot off the accelerator, and how much is reasonable to cut back... its a big question in my head. I like my kids, and my oldest has <7yr left in my house (assuming she moves out for college). That's not very long! I've cut out the moonlighting I was doing during the peak pandemic times (say 10-12% cut in income?), and dropped one shift from my core site in the past 6mo (say another 8% drop)... but I've picked some side gig stuff that basically adds back 8%.
at what point do i pull the ripcord and drop to say 9-10 shifts a month? My initial plan was to go hard to age 50 then cut hard to 6-7 shifts / month until I was ready to walk into the sunset, but now I think a more prolonged / gradual glideslope may make more sense, vis-a-vis having more family time now, not when my oldest is in college...
For me being about 12yr out, the question of when to take the foot off the accelerator, and how much is reasonable to cut back... its a big question in my head. I like my kids, and my oldest has <7yr left in my house (assuming she moves out for college). That's not very long! I've cut out the moonlighting I was doing during the peak pandemic times (say 10-12% cut in income?), and dropped one shift from my core site in the past 6mo (say another 8% drop)... but I've picked some side gig stuff that basically adds back 8%.
at what point do i pull the ripcord and drop to say 9-10 shifts a month? My initial plan was to go hard to age 50 then cut hard to 6-7 shifts / month until I was ready to walk into the sunset, but now I think a more prolonged / gradual glideslope may make more sense, vis-a-vis having more family time now, not when my oldest is in college...