Howzabout a hybrid approach. I know this is complex but keep with me here….

heres the options:

yolo it, wing big, probably still rat race it for 10 years because even a 100% return isn’t going to make the difference you think it is. You still need to eat, pay rent and you need health insurance, so off to work! Be pissed off for those 10 years because you’re rich and shouldn’t be rat racing. Make stupid decisions because you’re pissedm lose the money and gains, be poor in the end.

OR

Yolo it, lose it, rat race 10 years, never get ahead, be poor at the end.

OR…

keep the money AND do the rate race for 10 years. Recognize it sucks, but know that the only way out is through so you might as well enjoy it (more or less). Realize that with every dollar you set aside you’re more and more doing this for yourself than for the sake of the rat race itself.

Be cool, be smart, finish rich.