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> At all points over that interval, I had sufficient income to maintain a wife and children to a standard of living commonly accepted among middle class folks where I live.

Except for one little detail: you didn't have a wife and children, and that more than anything made it possible for you to identify that half-hour here and hour there that allowed you to make your move.

Having a wife and children has a huge impact on the amount of time available just to get through the things that have to be done and it is very well possible that at the end of all that you're left with too little time rather than too much.



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