There is a point where it's a no-brainer to switch. For example, suppose you were offered 3X more for a job with a worse environment. If you kept your living

There is a point where it's a no-brainer to switch. For example, suppose you were offered 3X more for a job with a worse environment. If you kept your living expenses the same, you could save up the extra money and then, for each year worked in the lousy job, you could take 2 years off to do whatever you wanted.