I worked temp jobs without benefits for more years than I care to think about.
Here are some additional costs you haven't mentioned.
Medical insurance
Elder/child care
Student loan payments
Life doesn't always proceed exactly as you planned.
Here are some situations that have happened to friends and acquaintances.
Husband became addicted to Oxycontin, sold most family assets to pay for it.
Wife moved to the opposite end of the country before the husband. She was told that she wouldn't have to work and to buy everything she needed on credit cards. He left the country with no forwarding address.
[0] https://en.wikipedia.org/wiki/Class:_A_Guide_Through_the_Ame...