It sounds like we're around the same age, both a few years out of a PhD (mine was in bio). I'm happy to email/talk 1-on-1 with you about this:
Academia is wonderful in many ways, but it teaches people that life is linear, which is a damn lie. Life isn't linear! You have decades ahead of you that will be filled with personal growth and bringing happiness to other people.
Thanks for those links, Tristan! It felt a bit like @Jackson Wagner's comment was scolding me directly:
Why do you believe that capital won't be useful?