You're absolutely right. I realize my comment could be understood in many various ways.

My point was that, at some point, money has a negative effect on your career. Shooting for the top percentile of revenue can take you off track for life.

But you are saying that having a few hundred thousands bucks when you hit 40-50 is a life-changer and you are absolutely right as well.

Our point of views are not incompatible and were not captured by my first comment.