Good on you.
Truly, one of the saddest things I've ever seen was a post on this forum. I don't remember who posted it, but I saved it to send to my son.
30 years ago, I wish I had read and understood the following Mark Twain quote .
“Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade
winds in your sails
. Explore. Dream. Discover.”
I've spent the intervening years banging on a calculator trying to figure out the exact "right" moment to stop work. I got pretty close and then a bunch of %$#ing bankers simply gambled away half of what I and a lot of other people had saved.
That pretty much defines my wasted years.
So the short answer is... screw the house, buy the boat and live.. I wish I had.
Of all things, I hate regrets the most. Few things could be a sad as realizing, at 40 or 50, that you'd wasted much of your short life.
There is nothing real enough in the game
to sacrifice your life to. Always bear in mind that you are not even a pawn in the game
. To those who really are playing it, you are a resource to be harvested, like trees or cattle. Those in charge aren't treating you badly. You aren't important enough to them to bother to treat you one way or another.
It's not nuts to take the one thing you really possess, your life, and run with it, but it is nuts to stay in the game once you see it clearly for what it is.
If you look at it clearly enough, you will see that it is, in fact, only an illusion that you are in the game, but it is amazing, how hard it is to see around it once you think you've played it for a while. Delmarrey, I congratulate you & I salute you.