One element that can come into play is having a career where all you need is a decent job and you are OK. No doubt this has drifted out-of-reach for more peopl

One element that can come into play is having a career where all you need is a decent job and you are OK. No doubt this has drifted out-of-reach for more people across-the-board, but if you are in an area where a decent job alone is not enough and you are actually completely dependent on a decent job market in addition, that may be an unrecognized disadvantage. Whether you are still young or not, if that's the kind of situation you've been involved in your whole life it may not be easy to realize there are still many other options out there. Not that you withdraw from market dependency completely, but it really can be overbearing if it acts as a dominating force.