I don't really understand this idea of being tied to a job. I'm not wealthy, I'm not financially independent. But if something better comes along, I do have the freedom to go do that instead. It doesn't really take all that much - a few years living expenses and a few marketable skills give you all the cushion you need.
And then, of course, you're faced with the "what do I do with my life" question. But I thought all 20-somethings (well, all middle-class 20-somethings in developed nations) faced that.