Could financial security discourage our willingness to work?

Financial security often raises questions about motivation. Could having a guaranteed income or financial cushion reduce people’s desire to work? Might they quit their jobs and rely solely on these income supports? Evidence from various income support organizations suggests the answer isn’t so simple. While some worry that financial stability might encourage people to work less, research points to a different reality: financial security can actually boost productivity, creativity, and overall engagement.

When people’s basic needs are met, they experience less stress and greater freedom to pursue meaningful work, education, or entrepreneurship. Consistent cash transfers, for example, can allow workers to take calculated risks, change careers, or further their education—opportunities they might forego if they were constantly trying to make ends meet. This sense of security can also improve mental and physical well-being, creating a more resilient workforce.

Imagine working in a job with low pay and a toxic culture. Enrolled in a guaranteed income (GI) program, you could afford to take a few days off without financial strain. Would you:

A. Use the time to search for a better job

B. Spend it resting and handling other priorities

Luckily, there’s no right or wrong choice—what matters most is having the choice.

In short, financial security doesn’t discourage work; it empowers people to make choices, seek fulfilling opportunities, and ultimately contribute to society in more meaningful ways.