Health is also a factor. Health issues can take up 1 of those 'thing' slots, another thing to spend time researching and working around. I've seen it happen u

Health is also a factor. Health issues can take up 1 of those 'thing' slots, another thing to spend time researching and working around. I've seen it happen unexpectedly to a friend, and it was a normal part of my life for a long time. Health can also include preventative things like exercise and diet, which require mental effort (research, willpower).