Ego comments on [Link] Lifehack article promoting rationality-themed ideas, namely long-term orientation, mere-exposure effect, consider-the-alternative, and agency - Less Wrong Discussion
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OK, this one is easy. When you make the million bucks, you stop working and start enjoying life. If you get the million soon enough, you may get on average a lot of fun!
It's simply "work first, fun later" on a larger scale.
I guess the better question would be "If I start following a track that makes me feel miserable but could potentially bring me a million bucks, how likely am I to endure the hardship and reach the payout phase?"
It is possible that you are leaving out an important piece of the equation?
Debt first, work second, fun much later if, and only if, you are able to avoid the hedonic inflation that so often infects those who pursue careers for prestige.