[kentm]

Can't speak for the OP, but saying you are able to live without working is no the same as saying that you won't work. When discussing financial security and financial worries, being able to survive and fulfill all your obligations until your death without holding a job is the point where you are "free" from having to worry about finances. It doesn't mean you won't work, and many of us would continue to have a day job in such a case, it just means that we wouldn't have to worry about how to take care of our family if we got fired.