The answer is 'it depends' How long do you expect to live and what do you expect to do in retirement. The answer for a 30 y.o. is much different than that of a 65 y.o.
smitty
joined 4 days ago
Patterson-Gimlin-Film maybe. I see this image everywhere!

In the U.S. timezones were developed by the railroads before being written into law to keep the train traffic moving. I think they even called it railroad time. Back in the day when the big clock in town meant something ... Imagine everyone setting 12:00 (noon) or 'high noon' with the sun directly overhead! There was no standard time nor timezones before we began traveling faster than the sun.