Reason #2 has been mentioned here a few times.
I was fortunate that I loved my careers, if not always the specific jobs. I even loved many of the part-time jobs I had while going to school because they involved photography, which I enjoy and even considered as a career..
What about you? Do you love your career? Do you love your job? If not, why do you stick with it? What “passions” would be part of your fantasy jobs? What have you observed among people around you?