I think part of it is a failure to see that future as distinct from their current circumstances. People who are financially obligated to work often make sacrifices between the type of work they'd like to do and the job that will pay the bills. Additionally, people don't always have the ability to tell their boss to get lost, and they have far less time for family and vacation than they want. When you no longer need money, those pressures all disappear, and you have the ability to find a job that suits all of your needs and provides meaning.