This is not irrationality. It is exactly right kind of rationality for postmodern quality of life. You’re not going to make life changing amounts of money riding surges, and work/life balance has value at the resolution of a day. Future work/leisure time also must be discounted.
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Are you neglecting the need for contingency funds (including retirement)? It's hard for even middle-class to know when it's enough $, taking a longer view. And having enough cash on hand buys freedom of future action. But long-term thinking is very much a privilege denied many.
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