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It's psychologically comforting and you don't need to be an expat for it to be realistic. I agree that most people underestimate the value of creating a sustainable low stress life in their home country. Many people I know in the US seem to think working here means building up constant stress that eventually needs to be blown off in an orgy of travel and degeneracy.

I have about 80k in liquidity and in the back of my mind it's reassuring to know that if something went wrong at my job or I burnt out or got fired I would be ok. With just my savings I could rent a room in my city for something close to 10 years, including all basic necessities. Even just taking a part time minimum wage job I could easily double that time frame.

As it is I live happily in a small space with a very frugal lifestyle. Paradoxically I think going to work knowing that I could walk away at any time actually makes me a healthier and more productive person/employee.



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