In my experience the vast majority of people just don't actually think about money in a holistic way beyond specific purchasing goals. They might think of a ho

In my experience the vast majority of people just don't actually think about money in a holistic way beyond specific purchasing goals. They might think of a home deposit, or keeping up the payments on their mortgage, maybe even paying off the mortgage, having a pension, etc. But it's very rare that people think, well, I spend X a month, if I had 2X I could get by for 2 months without working, 12X a year, etc. So then the entire focus just becomes raising the salary. Taking a pay cut, taking time off, etc, basically becomes an impossibility like moving the Moon.