Oh, thanks. My mind was at a completely different place when I was reading your comment. Recently I was thinking about how one could use this situation to borrow money on mortgage, then try a startup. Worst case, the startup fails, you return to a job and pay the money back to bank, but the interests are small, so it's not a big problem.

A part of what you wrote even seemed to fit into this context (by taking greater risk you could make more money, sure), but the last sentence interpreted in this context meant that as an employee you are unable to save money. Which felt... unlikely, so I asked. Glad I did.