[analog31]

Something to consider is risk. Here's what goes through my head: I can plan for how much I need to earn throughout my life if everything is "normal" and predictable. But what if one of my kids is born in need of some monumental amount of care? What if something happens to my own physical / mental health, or that of my spouse? What if the economy goes into a long term downturn and we have to live on savings indefinitely? What if we have to leave the country due to political turmoil? (One of my parents is a refugee).

Thinking about these things made me kinda appreciate why the rich want to get richer. Even if I'm earning more than strictly necessary for subsistence under normal conditions, our economy / society is set up so that the only source of a safety net for my family is my own productivity right now. I wouldn't mind growing that safety net to infinity, so long as it imposes no externality on my own family. This is what keeps me in the rat race.

A better safety net would make people think less about going to such extremes.

I'm lucky to have a mentally rewarding job with minimal "price" in terms of things like office politics and bullshit. My opinion might change if this situation changes.