Greetings friend @josevas217 there is a saying that expresses: "Every change brings resistance" and every start costs, I consider your perspective to be valid but we must also think about the external conditions of each person, where in some cases to stop generating income can be catastrophic, even so I consider that it is time to go thinking about a financial freedom so that it gives us more time to live as a family, traveling, enjoying our time which is the most precious value. We continue reading
Yes, each case is particular friend @madridbg. Totally agree, there are those who in the end do not see themselves without the degree of labor dependence, and that fifteen and last one becomes vital to them. I think it also has a lot to do with not projecting into the future, not planning properly. But, each head is a world, each case is particular.