Just like everyone else. I have a feeling your definition of “livable” is not in line with the reality that most people face. You share more in common with a stay-at-home mom going back to school to become a phlebotomist than you think. It’s just pride gets in the way
A stay-at-home mom isn’t bringing any income in so has the luxury of being able to fail.
Whereas many of us can’t take a loss of income for months while we retrain.