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> Anyone who's not "secure for life" and has to keep the salaries coming in will have to deal with bad people, bad decisions, bad culture, etc. and become unhappy.

This is bleak way of looking at things. There's one thing to have f-u money but there's another base level of security that lets you leave a job or group and move on without too much disruption. Marriage helps there too. I'm nowhere near "secure for life" money, but if I was truly unhappy with my job I'd leave and find something else in a month or two. Around a quarter of people who left their jobs in the US don't have a new role lined up and turnover otherwise is pretty high telling me people do have a choice. [0]

> When I was in the comfortable situation, I was carefree and open to pursue ideas and projects brought to me which I knew were stupid and prone to fail. My colleagues loved it, of course.

I've found the reverse. When I was most carefree and comfortable as a child and young adult, I didn't pursue ideas or projects. I didn't do much of anything. I watched TV and hung out with friends. I went through the motions at work. Only later when I had actual responsibilities and had a partner did I get ambitious and pursued more ambitious projects. "Worrying" about making it is what gets me up in the morning and keeps me motivated and feel like I have a purpose

[0] https://time.com/charter/6138353/new-rules-of-quitting/



You're touching on something here. I think real insecurity can be a motivating, albeit stressful, factor particularly in young adulthood (you have lots to gain and less to lose for taking risks) but once you've really experienced it it stays with you. That can lead to conservative, safe choices to avoid unknowns. For those like this it's easy to see why they project that a promise of security would enable them to behave differently, even if it may be irrational.

What stands out searching my memories at that young age is there was little cognizance or care about national/international issues, let alone survival. There was nothing particularly special about what I did with my time (some of it was creative, mostly not), but I was de-facto optimistic about my future. I may have had immediate concerns and worries (I was often lonely too), but they passed. Until they didn't. And I became sufficiently aware for social anxiety and fear of failure to take hold, alongside bad coping habits. Today I have stability, but learned conservative behavior. I have to be conscious about trying to shake things up now and then.


> Marriage helps there too.

Yeah. My “wife” (girlfriend of 22 years) was recently able to say F-U to her old hated job and start part-time growing a private therapy clientele because my pay has gone up so much in the past four years or so. Having a support structure really helps.

> I've found the reverse.

Agreed. When I had nothing external motivating me I became largely idle, despite my best intentions. I joke about early retirement but I’m not sure it would be good for me.


Marriage only helps if your partner can support you, if push comes to shove.

If they're incapable of holding realistic employment, and it's all down to you, then you're in a worse situation than being single.

Possible requirements, from best to worst:

(A has job) || (B has job) // Robustness!

(A has job) // B won't have job, but A's is enough.

(A has job) && (B has job) // Cost of living is more than max(A, B) and less than A + B.




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