actually you dont work for money.

you work for yourself. what you personally need is just food and shelter. entertainment is extra.

so in order to keep yourself moving daily, you need to eat and in order to eat, you need money to buy that food. similarly you need a place to rest. so you need to either pay the mortgage or rent a place to rest.

imagine if someone is feeding you free food 365 days and a place to stay for free, you dont have to work anymore. basically that is why people prefer to go back to school and this is the reason why.