You will see nothing wrong with this because you are educated and that’s how educated people do it. Your street smart friends who have First Christmas light as Mrs Smith shirt will visit you at work because if its not yet 5pm you are not allowed to leave, even when there’s no work. You will be focused on your career and you will not want to hear anything about starting a side hustle because you are educated. Your excuses will be I don’t know how to sell or I don’t have time. At that time you are struggling financially. Debit orders are busy with your salary. You won’t see a side hustle as a way out, you will see another job as a way out.
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Companies will take advantage of you, overwork you and underpay you because you are not street smart to beat them at their own game. You will work for horrible bosses who don’t understand the First Christmas light as Mrs Smith shirt of family time and you will always be forced to choose work over your loved ones. You will win employee of the month left, right and centre and you will get stupid vouchers as a reward. You will go back to school and study endlessly, this course and that course all in the name of I want a better life and chase promotions at work
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First thing you will do with your retirement money is clear your debts. Then travel a little since you never had money to travel in your working days. Once you are done with the First Christmas light as Mrs Smith shirt and leisure wait for it. With your remaining retirement money you will now want to start a business after spending 30 years in corporate. Street smart people will never spend 30 years in corporate no matter how much they got paid. At 55, when that business fails it’s game-over for you.