In my experience, which is anecdotal and therefore isn't worth much (so take it with a grain of salt), the expected utility of having a well-paying job increases as time goes on (until retirement, of course). At some point, it becomes enormous, unless you are independently wealthy or have some other means of support.

In order to have a well-paying job, you need some skills and an education. In fact, if your skills are good enough (sadly, what is "good enough" varies greatly by industry), you can get a decent job any time you want, so you don't even need to stress out about keeping a particular one.

What the job buys you, ultimately, is freedom. You could choose to move out, buy fun, pay mental health professionals, and try out various other items on your list.

That said, I'm not you, and I have no hard data to back up anything I'd just said, so you probably shouldn't take me too seriously...