More Money Or More Free Time???

The longer you work, the more money you'll have for retirement. But the longer you work, the less time you'll have to enjoy that retirement. — Wall Street Journal

Money is important for retirement in that it is a means of survival, a foundation for comfort, and a tool to accomplish some of your life’s goals. It can’t guarantee happiness or health or love, however. And regardless of how much you have set aside, money cannot buy creative fulfillment. The key to a happy retirement is to have enough money to live on, but not enough to worry about.
— How to Retire Happy, Wild, and Free

Most of the time, whatever decision we made there will be opportunity costs or trade off.

No free lunch of our choice and preference!