Many have zero. Itt feels at times they must be actively avoiding improving their financial wellbeing.
I have a few larger, but I count writing as one. While not passive, I enjoy it a lot.
At some point, employed work will be the side gig.
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It's took me a long time to get to this mindset. I'm currently out of work and am dreading starting back up. Farting about on HIVE all day is more fun.