I think it very much depends on the individual and their strength of purpose.
One well known WL I saw a few times before she retired in late 20 had a clear purpose of buying and paying off an apartment in Sydney.
She did that and promptly pulled up stumps, said goodbye and disappeared after a medium length WL career.
She had her purpose, knew what she wanted and how to get it and when she did she left and haven't heard of her in 4 years.

She was focused and smart.
Not all are like her.