I know several people who do not work by choice. Every one of them lives in poverty or close to it. Two are older Millennials, one is a young boomer/older Gen X.
The first is an aunt of mine. Back in 2008 she lost her job along with a bunch of other people in real estate and so she decided that was a good time to have some foot surgery she’d been putting off. Surgery went well but recovery was slow and by the time she was cleared to return to work (she had a desk job in a cubicle farm) she had developed a taste for staying at home doing bupkis so she just… never went back. She figured out a few years later that she could find a friendly doctor to help her get on disability and gasp! earn money for doing nothing! (Her words, I’m not denigrating on people with true disabilities). So that’s what she did. It took a couple of yers because that’s the way the game is played, but now she collects a check to cover a disability that doesn’t likely exist. Her disability checks cover the mortgage, her husband still works, and so she basically “retired” at 45. She’s 60 now.
Second is a cousin. Comes from a long line of losers. Her mom never worked, neither did her mom, so cousin figured staying home and living in poverty was basically the family business so she dropped out of high school, worked menial part-time jobs until she also found a convenient malady to claim disability, and now that’s what she does: gets a check for $1100 a month (an amount I earn in less than 3 days), lives in an ancient single-wide trailer in a dilapidated trailer park, has no health insurance, and shops for groceries at the dollar store. Cousin is 40 I think, maybe 41. She’s lived like this for two decades.
A third has a BA in business marketing. She lives in utter poverty: She and her wife live with their 4 kids (one an adult), only the wife works. A 5th kid is an adult and lives independently. The wife is a trained chef but instead works for a company that washes and cleans fleet vehicles so she earns peanuts. The family is about to lose their house. The house has only space heaters for heat as they do not have the money to fix the heat pump. They do not have (or did not for several months) the money to fix their car so they had no transportation. I’ve known this woman for 12 years and other than working a season as a receptionist at H&R Block, she has not worked. Her family gets food stamps but with 6 people in the house, it doesn’t go far enough. It could, but neither she nor her (trained chef) wife cook so they basically get frozen meals and cold cereal and eat that 3 meals a day, all month long, every single month, every year. Oh, and her fridge died a few years ago but because they have no money they could only afford a little used dorm fridge from FB Marketplace, so they can only get a couple days worth of groceries at a time. So they have to walk a mile or so to the grocery store twice a week instead of doing a proper shopping. The water heater needs replacing as the current one only gets water warm, not hot. As God is my witness I do not get it. Her earning potential is much greater than mine, but she choses to not to work. She’s perfectly healthy and able to work, just doesn’t want to do it. Her youngest is 11 or 12 so she could even work from home. Nope. She’s 38 or 39.
My aunt is the only one who doesn’t live in poverty and that’s only because 1) her husband, a truck driver, still works and makes decent if not great money and 2) 3 of her 4 kids are living independently (her 4th is an adult but has some chronic health conditions that pretty much prevent him from working; he’s the one that should be on disability, not his mom).
I personally do not get it. The idea of not having the money to pay bills fills me with anxiety; I’ve shared here before my wife and I are parsimonious to the point of being neurotic about it. We save every extra dollar we can and we have put ourselves through college because we knew we needed financial stability and long-term earning potential – no other reason. This idea that someone else will support us and care for us and provide for our needs, as Sam_Stone alluded to above is the natural result when people aren’t willing to support themselves, is completely alien to me. Besides, in my case there is nobody else. My friend I noted above relied for a time on an adult son to help support the house, that son is now living independently so she – and the kids – only have the support of the wife. She’s choosing to live in house with poor heat, no car, no fridge to speak of, and a lackluster hot water heater. You know, all the things money could fix. I just don’t understand the mindset.
Oh! I just remembered a fourth: my SIL. Her husband works but she does not. They have zero extra money at the end of the month. They have a house supporting in various degrees 11 people (a bunch of miscellaneous family live on their property in travel trailers and they use BIL and SIL’s house for bathing and laundry and sometimes cooking). SIL was raised with the philosophy that woman do not work outside the home and despite the fact that this is 2023 and their personal finances dictate that she really needs to bring home some income, she just doesn’t. Again, I don’t get it. They have enough money for monthly expenses, but only just.
As for retiring early, I spent 14 years as a hospice worker and now work as a teacher in a cloistered boarding school for troublemakers, misfits, and criminals. In my previous career a successful day was when one of my clients wasn’t screaming in pain, puking up blood, or having a family member melt down at the bedside. In this career a successful day is when I don’t get threatened with death by some kid who snuck a pair of scissors or a cafeteria butterknife into my class. While I have enjoyed both my jobs every single day of my adult life I have come home from work mentally and emotionally exhausted. I spend my weekends laying on the couch reading, surfing the web, or playing video games because I need the escape. Extended family thinks I’m lazy.
The day retire will be a truly happy day and if I could retire tomorrow (I’m 42) I would not feel one iota of guilt about it. However, all I have is a small public pension and social security so I may never retire at all.