34, married, male, no money, one and a half kids, I rent.

However, the next best thing applies. I live in Germany. They pay me to be unemployed. In terms of total wealth, including time with kids, leisure, time to learn things, follow my interests and invest time in providing for my future, unemployment pays more than employment. (Financially it pays about 80% of employment, but apart from that employment basically puts personal growth, including preparing for a better future for my family, at a standstill.)