Earlier quoted context omitted.
Not really handcuffs. You make a ton of money and move to a lower cost area to work on whatever you want. Financial independence removes way more restrictions than actually requiring a paycheck to live. Even if you stay at the company, just knowing that you have the money to say screw it and do what you want is empowering - Oh, you're going to fire me if I don't do xyz, go ahead because I don't need the job.
I'm pretty sure ageism in tech boils down to this point. People who have been in the industry longer have better nest eggs and can simply leave at any point, so they won't crunch for you.
On the other side of the spectrum, people I know with any real estate inheritance, tend to not take part in the rat race and just take any chill (governmet)job they can find, as having their housing already covered, means they only need some money for food and bills so they can focus on enjoying life.