[CalRobert]

Yeah, taxes make that hard where I am. Better to work part time

[pmg102]

Your point about taxation which is usually progressive is well taken.

It could be offset by the fact that you could invest the money from the first 25 years thus benefitting from a compound return.

I don't know which has the bigger effect.

[CalRobert]

Very much depends on your country and your particular tax situation, of course. The US is pretty good for FIRE (aside from dealing with health insurance). Ireland (where I live) is terrible, by comparison.