I suspect that is at least partially due to the fact that I have consistently accepted lower pay to work at small businesses and nonprofits. I currently work for the local PBS affiliate and absolutely love the environment, people, and challenges there.
But, I do also worry about how that will affect me and my family long term. Will my wife and I be able to support our children well? Will we be able to retire comfortably? Etc. I’m certainly still making a very comfortable wage compared to many other professions, but I have turned down salaraies 25+% higher than my current one from much larger corporate organizations. Will I regret that in 20 years?