I think the first two options make sense but the third is the hardest. At some point, people might rethink their career as the end goal might just be money in the end. Also, a hobby is something you can take a break from but if your treating it as a job, you can't really do the same most of the time.
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In reality all three methods are hard and it’s so because if it wasn’t everyone would be near or at retirement. I not going to say any of these are easier than another because I too can’t follow through on all three. !LOL !PIZZA