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" "my boss was saying intellectual investment is like compound interest: the more you do, the more you learn how to do, so the more you can do, etc. I do not know what compound interest rate to assign, but it must be well over 6% — one extra hour per day over a lifetime will much more than double the total output. The steady application of a bit more effort has a great total accumulation.
Richard Wesley Hamming (February 11, 1915 – January 7, 1998) was an American mathematician whose work had many implications for computer science and telecommunications. He received the 1968 Turing Award "for his work on numerical methods, automatic coding systems, and error-detecting and error-correcting codes."
Biography information from Wikiquote
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There is no unique, correct answer in most cases. It is a matter of taste, depending on the circumstances... and the particular age you live in. ...Gradually, you will develop your own taste, and along the way you may occasionally recognize that your taste may be the best one! It is the same as an art course.