Get ready for this bold statement. 98% of people will be dead or dead broke by the age of 65 (source: Dani Johnson) I believe it is irresponsible to not have a financial plan-b, side hustle or backup plan. Whatever you want to call it. You can be replaced by a computer tomorrow (how many receptionists have been replaced with automated phone systems??), there could be another financial meltdown (how many real estate agents do you know lost it all in 2008?) By not having something set up where you receive residual income or dividends you are literally sticking your head in the sand and I don't want to see you do that - then be in a crises with something beyond your control happens.
I get it - It takes guts to do more than the average person. It's not easy going back to school to finish that degree, getting a certification, or starting your own business. (So if you have done ANY of those then I am giving you a virtual high five right now!!) It's actually more than hard, it's scary. What if I fail? Wait if I don't make back my investment? What will people think of me? (Correction: actually I got over that last one about 3 years ago) But if you never take big risks you will never see big reward (and have fun on the "safe" hamster wheel).
So I for one am willing to take those risks because I'm not willing to live 80 of the same years over and over again and call it a life. What about you?