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I think that there is another cross-over point. One at which your wealth growth from your savings not only exceeds your yearly savings from your salary income, but exceeds your whole salary.

The only reason to work is to keep busy at that point. However, remember that working adds so little additional weath, you begin to ask "why am I putting 40 hours / week to work for so little return". These thoughts become more frequent as you get older (I am 52 and have started thinking like this).

Face it - 40 hours / week is a major part of the weeks time.

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