I think the ideal situation is to put in the hard work for 10 years, and have enough to give yourself a form of basic income. How many people have great ideas

I think the ideal situation is to put in the hard work for 10 years, and have enough to give yourself a form of basic income. How many people have great ideas and a desire to start a business (even if it is just a consulting gig) but don't want to walk away from a stable job? To me, this is a very good strategy, that way your skills don't deteriorate, yet you don't "have" to work so it takes less mental toll.