[Mizoguchi]

That's true.

However that means you also have a lot more opportunities that better fit your skills and experience.

We should also not underestimate the value many people give to life quality.

I personally find commuting extremely stressful and unhealthy and there's no realistic amount of money anyone could offer me to drive 40-60 hours every month to go to an office.

Even if the money is good I would rather take a big pay cut and remove expenses, eat more at home, buy less clothes, downsize my home, etc.

Of course for many, particularly those jump starting their careers, this may not be an option as gaining experience and paying loans should be their number one priority.