This term is categorically uses for the person who suppress his/her dreams and work the whole life thinking that s/he would achieves his/her dreams once settled. The term "settled" is very vague because nobody in the life considered him/herself settled whole life, because when we achieve something we started aiming towards another thing, and that's how we goes on and suppressing their dream. One should take a step towards his/her dream, regardless of what people say, the thing is that, being a human we are not here to make happy each and everyone. So, one should take a step forward and follow his/her dream. Don't lessen to anyone just follow your dream.