For me, in my situation, I pretty much cannot afford to "work", at least a traditional job. I do not think I am in a different situation, just that I was able to see what the system was like, and planned a way to get out of it early enough to be effective in life.
But here is an example.
Five years ago, my wife and I wanted some more land, so we bought another farm that happened to have a house on it. At the time, it had been vacant for 6 years. Well we let it stay vacant for 5 more...11 years in total. Naturally this house was not worth much, maybe $40,000.
So then, because I retired early, I decided to fix it up. So in 5 weeks time, by using logs from my farm, my sawmill, and doing the work myself, I rebuilt the house. This increased its value from vacant, unlivable status, to livable, and worth around $80,000. Because most of the building materials I made myself, I spent $1700 in cash in fixing it up. So my question is, where could I ever work...a high school educated guy, and make $7660 a week? ($40,000 increase in value, spending $1700, over 5 weeks time).
But I admit that is a $40,000 increase in net worth, not cash money that I can spend...or is it?
Because the house was now livable, we moved our family into that house, and put our other house up for sale. Since that house is worth $175,000, and I own it outright with no mortgage, when it does sell, that means fixing up the vacant house did give me cash, but not $7660 per week, but $35,000 per week, because it gave a place for my family to go, and sell our other home. Yes, we had to be humble and move to a house that was half the size, old, and still needs work, but no matter how I calculate it, working a real job just does not pay me as much money as staying home doing my own thing.
I still work, but the pay back for my time spent, is so much greater then working for a small paycheck.
It has never been about how much money you make, it is about how much money you spend. Staying home, doing my own thing, allows me to produce more for myself that has inherent value.