I save 90% of my income, and work freelance. My experience may be unusual but it has been the opposite. When I have a job time blurs togethor. I stop drawing, and exercising and learning math. Pressure builds. Eventually I finsh and that stage ends and a rennaissance begins. I am only a clear deep thinker when unemployed. When I am captured by the salient sense of daily responsibility and income, mental exercise is at the bottom of my priorities and doesnt make the effort/reward payoff threshold.