Not necessarily - some people find it worth it to take 20-40% of their work hours off (unpaid or not), I would define that as not "toiling". You can live on 60-

Not necessarily - some people find it worth it to take 20-40% of their work hours off (unpaid or not), I would define that as not "toiling". You can live on 60-80% of a 100k+ salary very comfortably.