Well, everything you do with your time is a trade-off.

We all have 24 hours each day, and we each look to maximize various qualities from spending our time.

We have to work so much to keep food on the table and a roof overhead.
But, that work can be somewhere between painful and joyous.

So, we all choose to spend the resources we have in a way that gets us the most benefit.

(and then you add short term and long term benefits...)

Money is much the same way. The problem we have with money is that we live in an inflationary environment. So, you have to make so much return on your money or your losing money.

The other problem is that money is only a singular measurement. Like a ruler that can only measure north and south. There are many other qualities, that would be nice to have a measure... but we only have the singular.

Now, your thinking ain't exactly wrong, but it ain't exactly correct. You will have to come back and revisit this decision.