I think I must be rapidly ageing. I grapple with this issue, ALOT. And because of that, I walk a different path to yours. I tend to say "Yes" more often. Yes to work, yes to clients, yes to opportunities, yes to investment types, yes to learning, and probably a truckload of "no's" on the social life side of things.
It's time to acknowledgement what truly matters to us when we have more time behind us than in front.
Cheers, Denis. Good piece.