"Labor is honorable" - I'm all for that stuff. But at least once in your life, be a (climbing, bike, surf, skiing, etc.) bum.
I was a rock climbing bum in 1984. I spent 2 months climbing & living in Yosemite on $3/day.
In 1985, I worked minimal summer hours, which allowed my buddy & I to bike and climb almost every single day in the Adirondacks.
Needless to say, 1984 & 1985 were very good years.
So, if you can swing it, be the bum that you always wanted to be.
"The goal in life is to make enough money so that you can do the things you used to do when you had no money."