What ought?

 Actually it seems to me that if you are not afraid or don't dislike working and are confident that you can earn decent money, there really is very little to fear on the money side of things, other than if you get incapacitated and have to live but cannot work.

I dunno, do people dislike their jobs so much? Or do they actually have so much better things to do that is not working? I think if you think deeply and i dunno, actually tried being unemployed for a year or so, you will find that quality of life isn't really much better not working. In my humble opinion, and I have been unemployed for a year+ (kinda) or so before where i had to write book reviews and such to make sure I was not just wasting time away. But well, maybe peoples really hate their job and just using the job to get money.

But in that case I really wonder why do peoples stay in such jobs. Maybe that is truly the lacking of options. It seems to me finding a job you reasonably enjoy, that provides decent money, is really quite a good deal. A better deal than a job that you dislike or even tolerate, that provides better money. And if you are in a job that you hate that doesn't provide decent money. well, decent is relative right, i would think the question is is there anything that you can do that can provide some money. and from there adjust your expectations such that that some money becomes decent? Maybe i'm pontificating because life has been good to me, but my feel is that I could live on much less.

I think also when look at job need to find reasonable energy spend. Like if a job takes up all your energy that is very unfortunate and undesirable. But if a job is like too easy, i think that is undesirable too. I dunno i'm rambling, i think if it is meaningful it will be fun to spend energy on.