In someways, I think seeking financial independence is a trap. What is far more important is artistic independence. There are a lot of people who are financially independent, but morally, ethically and artistically enslaved.
Why do we seek financial independence? Because we currently hate our current existence. In someways when we think about the religious notion of afterlife, we all strive towards it. Perhaps the striving for financial independence is simply the atheist notion of an “afterlife“.