My bigger take here is that nothing is fine forever. We might have fun for a couple years but eventually a disruptor comes in and changes everything. This disruptor today is AI but it will be something else in 5 or 10 years.

Therefore save when you can. Don't be fooled thinking you make a ton of money today therefore you will make a ton in 20 years. Get the optionality today, that's the biggest win you can add to your life.