if you need X money to be financially independent, and you have X+Y
If you're making money with the goal of being financially independent you're done when you have X so you can and should stop. Where does Y come from?
I don't agree with the "should stop" part.
Until you reach X, you work because you have to. To some degree you are motivated by fear. You probably take jobs you wouldn't take if you were born in a billionaire family.
After you reach X, the fear motive is gone. But you can still do things for other reasons, for example because they are fun, or because you feel competitive. Some of those things may bring you more money.
If it's worth saying, but not worth its own post (even in Discussion), then it goes here.
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