[pmg101]

This is true in my opinion. But if you worked the fifth day and invested all your fifth-day earnings, you could retire/become financially independent a decade earlier.

I'm not sure it's so clear cut which of these is the better option.

[stavros]

Sure, but a 20% more twenties and thirties is much more valuable to me than 100% more sixties.

[nxobject]

I agree that there are upsides and downsides to both. What tipped 4 days in my favor was having one free day to schedule annoying errands in that would have otherwise Swiss cheesed my schedule or taken up my evenings between work days - seeing the doctor/psychiatrist/vet, getting your oil changed, reviewing my monthly spending, etc.

There is a genuine trade off for me: I don’t make as much money, and concretely I’ve noticed that travel far less than my friends do, and unlike my friends I don’t own a car that I have to make long-term payments on. But I do get more focused work in during weekdays because of that, and time to explore my city during weekends, which scratches my traveling itch.

[helij]

That fifth personal day can be quite lucrative with various one off projects. You can also be quite selective as you're covered financially and can choose those one off projects carefully to align with your values or whatever matters to you.

[odo1242]

To be honest, it probably depends on (a) how much you value your sixties over your twenties-thirties and (b) how much you trust the market to not take a barrel roll