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Case in point to your last part:
I was fired at the beginning of the year. I had sufficient funds I coulda retired if I wanted to. I’m not quite 40.
It’s been 2 months and I am so fucking bored I got a job. I didn’t go get a part time job to fill my time, I got a job in my field continuing to work at “my level” because it fulfills me.
I’m now able to do what I want because I want to rather than because of some existential need. My work product is WAY better.