The difference between working 30 hrs a week and 40 hrs a week comes out to $150, after taxes & deductions. I honestly could go without that $150 a week but I need full time for the insurance. I have huge deductions for the insurance but a super low medical out-of-pocket max/deductible. I also hit the deductible in April so this year have been getting excellent healthcare.
I don't know what my point really. I'd just rather be working 30 hours a week and slightly poorer. With enough free time I can maximize my hobbies, exercise, personal growth, family time, volunteering, and just all sorts of cost-free things.
I wish 40 hours wasn't necessary.