Now, a bit on each:
A majority of the folks I work with are aged between 40 and 60 years. A higher than average number of them are physically messed-up. It's not like I'm violating anyone's HIPAA rights in knowing this. At a casual glance I see canes, orthopedic shoes, leg splints and smell the fragrance of Ben Gay. Most of my co-workers are retired military, now working on their second retirement. Their previous life must have been rough. The thing is, I'm former Infantry, and I'm no where near that incapacitated. As a matter of fact, I'm probably in better shape than most people my age.
In my humble opinion, the secret is to NEVER take that desk job. You'll make extra money, and probably not live long enough to spend it. If you don't stay active, you're on the fast track to a quick stop. If the sedentary life style isn't bad enough, the added pressure from pseudo stress from nonsensical paperwork will make both your head and heart explode. They call moving-up a "promotion". But I want to retire and actually be able to DO something. Keep pounding the Monster in the AM and the Jaeger Bombs at night. That'll help (sarcasm).
In a semi-related note, my wife makes money and relives stress selling stuff on Ebay. Mugs, hats, shirts, books... it's strange the things that will sell. She typically buys an item for 3-$5 and sells them for 15-$20. She had some work setting up her business, but she pays a fee to Ebay and the customer pays shipping. It's not that hard. Prospecting garage sales and thrift stores takes some practice, but discovering what sells and what doesn't is a skill learned quickly. I'm just saying that there are more fun and sane ways to make some extra money, than resorting to an second (or third) job.
I hear a lot of people complain that they're tired and sore. And they're broke.
Look at your lifestyle. And don't spend like a drunken sailor. I've seen it, and that's not pretty either.