You could use a simple and safe job as a leverage for other opportunities. Not sure how much of the following could apply to your situation.
Generally, sometimes you have an idea of a project which gives you (a) a lot of money later, but no money right now, or (b) a lot of other utility, but no money. If you need to pay your bills, you need to take some job. But sometimes the job is exhausting, and you have no more time or energy left to work on your project.
One solution is to try making a lot of money, and later take some free time and do the project. A typical failure mode here is that many people, when they start making more money, also increase their expenses (having children increases the expenses, too), so the "later" never comes.
Another solution is to find a job that is paid less, but leaves you enough time and energy for your project. A typical failure mode here is procrastination; you make less money, but you actually don't do your project. Another failure more is having a wrong model, so the less paying job actually does not leave you enough time or energy.
Example 1: A person took a job of a night guard in a factory. The job required them merely to stay all night in the empty factory, and every hour or two take a flashlight a take a five-minutes walk around the factory to check if everything is okay. The pay wasn't good, but paid their bills. They had to reverse their day/night cycle, but they had a lot of free unsupervised time during the working hours. -- The person took a notebook to their work, and during a few years they wrote a few successful novels, and became a superstar in their cultural niche.
Example 2: A person took a part-time job as a programmer, to pay their bills, and uses the other half of their day to program mobile games. They really work hard on their games (but still have a lot of free time), and experiment with different approaches. At this moment, after a year of this approach, they have released two games which together provide them a passive income of $50 a month. Which is not much per se, but it's the first two games they ever made. There is a lot of uncertainty here, but under some optimistic assumptions, if this passive income persists, and if their following games will provide more money or take significantly shorter time to develop, they could retire in ten years or so ($1000 a month is the average income here, so they are already at 5%). And the backup plan is to find a new job, developing mobile applications. (Being employed as a developer and developing in your free time may be legally risky; consult this with a lawyer. In this specific case the job is unrelated to mobiles, and the contract allows side income from non-competing projects.)
Example 3: A person made and saved some money, then took a few months of free time to make a computer game. Spent the whole time reading web; accomplished nothing. After a few months they updated, and humbly returned to the usual rat race.
Example 4: A person took a less paid but more simple and pleasant job (the estimate was based on a past experience of the same role in another institution, not available now) and wanted to make a computer game in their free time. However, in this specific institution the role actually was neither simple nor pleasant. (It turned out that the previous experience was very exceptional.) After a few years the person updated, and humbly returned to the more exhausting but better paid kind of jobs, having lost a lot of money in the opportunity costs during those years. With a little job-hopping they discovered that there was also a significant variance in that kind of jobs (despite having the same job titles and almost identical wages), and found something that seems like the local minimum in difficulty.
It saddens me to admit that the examples 1 and 2 was someone else, while the examples 3 and 4 was me. :(
So, if there is a chance of having a free time during your job (I am not sure if this applies) or working a shorter schedule, you could use it to make some project, or to learn new things. There are many free online courses: if you'd take them seriously (as in: two or three hours a day, every day, and do all the homework), within one year you could learn a lot.
Okay; I'm not saying this is necessarily a good strategy -- it failed for me; but on the other hand I personally know people who have succeeded; the critical factor is probably conscientiousness vs. procrastination -- but I think this is another option you might want to consider. Your local alternative doesn't have to be only "library", but could also be "library+project".
And here is a warning tale, hot off the presses: http://ergoemacs.org/misc/xah_as_good_as_dead.html
This is the public group instrumental rationality diary for May 1-15.
Thanks to cata for starting the Group Rationality Diary posts, and to commenters for participating.
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