The ideal scenario is that people in general should have the ability to share their burdens. Not to dump them on someone else but share it. So, having a family where everyone can come together and split the bills, or a significant other, or emotional support, etc. So in that sense, well, roll a D20 and see what you get. I can't say I rolled a 1, my situation could've been much worse. But I h'aint pulled a 20 either.
That's a complex and subjective topic, though, and can't be summarized by math, though that certainly helps. Indinera's example with the gradient, transitioning from being overworked while consistently working on this side business is something that everyone in that path should go through, some people in 1 year, some on 10, some in 200. We all know nobody lives 200 years in 2023 though, so you gotta adjust the formula a bit here and there. Or, well, try to figure out how to roll another D20!
To that end, a bite-sized game approach is good, I think. It smooths out the gradient. Adds more hairs to your wig. Actively seeking out help and negotiating is important, too. Having short, mid and long term plans. Making sacrifices here and there.
There's these two friends of mom, one of them went on to work as a VFX director for a season of star trek (or something like that) but during his first 5 yrs in canada his girlfriend paid his college. And then he paid hers. Then there's the cost of living factor which indinera often mentions, too. My family has a (crumbling) house in pretty much the most expensive town in the country. I could make a choice and move out to a cheaper town. How much will I save (or spend! ) in the long run? Which points of this gradient should I make these choices on? I remember when I quit my first job, it was such a struggle, having to come to my mother and say i couldn't take it anymore and was risking with a job experience elsewhere, but that if it failed I'd need her support. She said she'd shoulder it alright, so I started work at my second school back then. Soooo much negotiating, calculating. It worked out, was great! But it was a risk. mitigating risks by having these gradients all a little offset is good.