During my period of unemployment, my greatest enemy was too much sleeping. Though I wake up as early as 7:00 in the morning for my daily hulahoop and a hearty breakfast, but after cleaning the kitchen, I went to sleep again for another 2-3 hours. That made me wake up by almost noon time and I then took a bath and have my lunch. (eat again) After lunch, I always had dark chocolate and took a nap for another an hour or two. (sleep again)
That was how my days were, except for the days that I need to go somewhere or when I need to do something. I hate that way. It made me feel very guilty that I was just wasting my time while there may be a lot of senseful things to do. But that was just my weakness, when there was nothing to do or nowhere to go, I just indulged in sleeping.
My best antidote was this bible verse; "Lazy hands make a man poor, but diligent hands bring wealth." Proverbs 10:4 NIV This encouraged me to get busy doing something.
I believe even if you have a fat bank account, that could not be an excuse to sleep your whole day away.