Truckulent;
There is a danger that if this back and forth continues, one of us might say something beyond the pale, even if it is true in the process. A career ends up being a lifestyle choice, and not all choices have to be about obtaining the highest-flying job that one has the brains for. I was made redundant at the end of 2010, and yes, that’s the year I did better than £40k - But for what? I was working 6/5/6/5 - ie maxed out hours to get that. I’m pushing 50 now, and having given up the full time joke as it is now, I find myself working an average 2 shifts a week and taking home slightly less than the basic I would be on if I’d not left my former employ. The full time ship was sinking, and I jumped before I found myself pushed. I could have stayed, but with a huge pay cut. Instead, I took the ‘Carol Vordermann’ option if you like. If I tried to get full time employment at the rates I hold out for, I’d be sadly disappointed. HMRC run-on means I don’t crash and burn during this quiet time of the year for agencies - a huge advantage of PAYE as I’ve pointed out in previous posts.
I take home enough to pay the bills, but it’s not going to make me rich.
One could even go as far to say the only job worth having these days is “Professional Money Management”, as it is disturbing how so many around (high and low background) seems to be in debt. The well-heeled moan a lot, but lie low behind the internet whilst they expect buy-to-let and interest on money sitting doing nothing to give them a living. Moaning about employment and returns on savings are both lost causes in this new age in which we find ourselves. I’d rather learn to live with it than be destroyed by it, but it is amazing how many concrete minds out there cannot get around the flexible thinking required for such a huge change in the pipeline for all of us over this next decade.
Good wages for truckers are on the long-term decline. 
I’ve found myself only getting odds days of supermarket work so far this year, but at least the hourly rate is still into double digits. I could get a lot more work if I were prepared to drop below that, but I’m not interested, as it is the slippery slope! 
Work for professionals at all levels is no better if one isn’t doing that plum job right now!
Since wages cannot really be maxed in an efficient manner anymore, the better option is to reduce hours, and keep the hourly rate high. Use the opportunity to go on interest and tax strike, and always pay the mortgage. Don’t get divorced, as it’ll probably cost more than bankruptcy in the long run - and that’s just the financial side of it. 
I don’t think it’s an “opinion I’m entitled to” to be sensible about today’s world, and the only regrets I’ve had is that it would have been nice if I could go for longer periods in my life without fielding off “life’s disasters” all the time.
I don’t ask to be ‘lucky’, just ‘unlucky a whole lot less’! 
(Recent disasters include a parcel van smacking my car, my 18 month old TV blowing up, and nothing ever doing “what it says on the tin”! - I could do without it, as I imagine most people could. 