[unsupp0rted]

All those things work great if you don't need money, to exchange for goods and services

[commanderj]

Isn't it harder to make good decisions while in panic mode, thereby floating you further away from the goal of making money?

[unsupp0rted]

Sure, except the value of panic mode is it lights a fire under you to get out of panic mode. Whereas this feels like a long-term strategy for continuous lack of ambition, in the sense that the writer doesn't demonstrate any desire to actually earn money.