One of the great challenges of our age in which the tools of our productivity are also the tools of our leisure is to figure out how to make more useful those moments of procrastination when we're idling in front of our computer screens.
The way I look at it everything is a trade. You acquire some money so then you've got no financial burdens but everyone wants your money and so who can you trust? Or you've got no money and you can trust anyone but then you've got the worry to pay bills. Which is worse?