I don't think I have to worry about it. My father's adventures in the private sector are basically a cautionary tale on their own. Background: theoretical physics phd, main area of research in statistical physics, superconductors and porous materials. Reason to go to private sector: about fifteen times better wage and there's a second kid on the way (aka me). Reason to leave it: Sleep disorders, stress, ulcer and he was literally the only male in my family who could ever managed to get 'fat' (at least by comparison, I don't know of any other family where BMI ~27 would stand out like obesity… I wasn't joking when I told you sometime ago that I'm built like Grey Alien :P). Long story short, while even after a decade he still has quite considerable savings left from the job, no-one thinks it was worth it.