Calculating the true value of your time is actually much harder than it sounds and far more powerful than it seems. The value of your time will likely change every year, perhaps even faster.

The size of the discount, the time to maturity and other features of money market securities may differ widely, making it difficult to directly compare the wide variety of money market securities.

Part of being financially stress-free is knowing how much money you may need in retirement. Although there's no cookie-cutter answer, there are good baselines and guidelines that can help.