There is another factor though - opportunity cost/risk.
How many good years do we have left?

We are not 25.

By not getting the most out of life until risk is eliminated - we run the risk of wasting some of the last good years we have left.

And on that cheerful note, enjoy the rest of your weekend.

2021 Lapis Blue Plus 6 evil You know it makes sense! thinking
2016 Carmine Red 991.2 C4S