25% is a huge amount. Yes, it adds up. Over time, you don't get me wrong. But you need to ask, should you do that much?

Everyone will die, despite great medical advances over the past century. Someone who lives past 5 and doesn't die in childbirth, or an accident - only got a couple years of life expectancy. You should be thinking of saving money as this is something we're going to spend in the future. The goal is not to get the most money on paper. The goal is to... Well, you figure out your own goals. I don't know the right answer for you, but to try and enjoy life with the money you make.