I've long said that the optimal way to wealth is to invest at least half of all raises and bonuses. Personally, I shoot for 2/3. However, I *don't* shoot for 100%. That's for two reasons. First, letting yourself enjoy at least a good portion of increased income in the present makes it emitting sustainable forever. Second, you never know when your time will be up, so denying yourself completely in the present might maximize your wealth but prevent you from ever enjoying it.