The answer to that is - you will never know. You will only know the outcome of the life you live and even then, nothing is altogether stable, until you get nearer the end of the book.
So what you get to choose is, how do I want to be perceived by my friends, family etc? But mostly, how do I want to perceive myself.
But to the point, is it worth it? This question was debated through decades with a lifelong friend, full career S/Sgt...yes, it was worth it, to be what he expected of himself.
He was a thoroughly worthwhile human being, according to the standing room only gathering at his funeral, it is a cliche to say - that was his riches, but it was, so first question now - what do you really mean by rich?
Sorry, edited a bit out. He sounds like a fine man, who made a real, worthwhile difference to people.