Most financially secure people still work full time. I suppose that in theory, they’re able to quit their jobs without suffering immediate, catastrophic consequences but if they actually did that sort of thing, they wouldn’t be financially secure for long.

(In my experience, many financially secure people actually work much more than full time. I think they would be better off if they didn’t because at some point time becomes more valuable than money, but they have the sort of personality that compels them to. This is often related to starting out without financial security.)

The very rich can do crazy stuff without consequences but they’re such a small part of the population that I don’t think comparing oneself to them is useful.