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The ability to be spontaneous in life is directly proportion to the size of your bank account
(self.showerthoughts)
A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. A showerthought should offer a unique perspective on an ordinary part of life.
I'd say it's more linked to how many dependents you have, rather than money in the bank.
Someone with no kids, no ~~wife~~ spouse (edit), and no pets can be spontaneous without a second thought.
Someone who's tied down, but wealthy, not so much.