Not taken leaves in 5 years

Also not been sick whatsoever, even during covid. I don't know why.

My job requires travel so I do get to spend time abroad.

The last cycle, I ended up making an extra 20L from all the leave encashment paying out at once. That's now worth 24L from a small cap MF.

Why does anyone bother with leaves if you are planning to retire before 40? I want to quit working while I'm still healthy.