A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. A showerthought should offer a unique perspective on an ordinary part of life.
I think it has a lot to do with disposition and convenience. I'm lazy, and I don't like to drive if I can help it. But I live near enough to public transportation that we'll spontaneously decide to hop on the subway and grab dinner on the waterfront.
It's not the money that's preventing us from hopping in the car to go to some new beach for dinner, it's the convenience.
I find this to be true.
I spontaneously go to work because I need a salary.
That seems impossible to measure, and being too spontaneous can be bad financially like quitting job after job.