[crush-n-spread]

  Is working 40 hours a week for an employer worth it

Yes so long as that employer is really changing the face of technology or changing the economic forcing functions that drive the activities of humanity

No if it's twitter or the government

Yes if you plan to start a company but don't have enough runway, so you can accumulate runway at your job

No if you have greater than $50,000 USD in cash and want to start a company

[whataretensors]

I think your rules will fall apart if you start looking at specific edge cases.

What if your job is working for the government on space tech? That seems to break your classifier.

Or if you work at a company ineffectively run.

Or if you have 50k in cash but not enough runway to accomplish what you want to do.