Just curious. Are you financially well off ? Are you very confident in your skill that you have no worry of being unemployed at all ? My personal opinion is

Just curious. Are you financially well off ? Are you very confident in your skill that you have no worry of being unemployed at all ? My personal opinion is that people who are not gifted but work very hard and have an average IQ can not take risks like leaving a tenure job unless they are free of financial responsibilities. What are you thoughts ?