Maybe a few who are affluent have avoided, though usually upon closer examination we can see, while it may be different, they too must work.
That is the nature of the material world, as well as the nature of the spirit soul. Because even the soul desires to “do something.”
People will either serve themselves or they will serve others including God, but it is natural to want to serve.
Even good work causes us to return to the material world to reap its rewards. Oh we should still be good :-), simply we need to take it further and the transcendental. Lord Krsna explains:
Here we can see this as true according to God’s words. Who wants rebirth? To be 13 years old was NOT fun and I don’t want to go through that again. ha.
Solution? Chant Hare Krishna and serve His transcendental picture on your Home Altar. It's fun, it's easy, and increases your own inner sense of peace too. God, being nondifferent from His name and transcendental form, is there in that lovely photo on your home altar. It’s simply a matter of realization, which will come in time.
One does not have to change employment, unless you're engaged in a bad karma job like a cook of meat products, or a bartender/waitress at a bar, etc. [If so, look for a new job.]
Aside from things like that, if you're an artist, draw for Krsna; if you're a writer, write the glories of Krsna. Even if one can't do so directly, at least when we go to our jobs we can “think” of Krishna.
No one can stop what you put into your thoughts, so even at work, or standing in line at the grocery story, you can mentally chant the Maha Mantra, or think of a pretty Krishna pic you like, or something else. These are all forms of meditation.
Next, taking to spiritual life does not mean to become irresponsible. Instead, to do things with right consciousness.
The example is there that one person may be mowing the lawn and the Krishna-devotee is also mowing his lawn. But one is freeing their self of karma by the activity - while the other is binding himself. Why? The man [in this case] is grumbling, angry because he has to mow this stupid grass. The devotee on the other hand is chanting or thinking "Hare Krishna," pleasantly singing this beautiful song to himself - or thinking of the beautiful, transcendental form of Krishna - in that way freeing himself. The outward appearance may look the same, but what is going on within, the type of consciousness that is there, makes a vast difference.
Devotional service helps us develop love & attachment to God. Knowledge guides us in correct action. Spiritual knowledge directs us to satisfy the desires of Krsna and our soul through practical engagements in His loving service. Without practical application, theoretical knowledge is insufficient.
If time is limited, or for other reasons, we can make it as short as necessary - I believe in being practical. :-) Simply, don’t leave God/Krishna out of the equation if you want to get the best results.
"Even if he be distressed or degraded, any person who chants the holy name of the Lord, having heard it from a bona fide spiritual master, is immediately purified. Even if he chants the Lord's name jokingly or by chance, he and anyone who hears him are freed from all sins. " S.B. 5-25-11
Of course, one can not misuse it. A person can’t intentionally commit an offense, create bad karma knowingly, then think they will simply chant Hare Krishna and it will all be washed away. That’s not how it works. Matter of fact, that can backfire. Rather, one must be honest and sincere; then all benefits will come to them.
And here is a link to free, unchanged, unedited, original books.
Moving on, Prabhupada committed so much time to translate these ancient literatures so we could understand ancient Vedic text, and be able read them. (They’re in Sanskrit, he translated them into English.) They are filled with transcendental sound vibration, liberating pastimes.
Books such as Bhagavad-gita As It Is, Sri Isopanisad (Mantras), Nectar of Instruction (Mantras), Krishna Book & Srimad-Bhagavatam, Bhaktirasamrta Sindu (Nectar of Devotion), Chaitanya Charitamrta, etc.
To read the writings of the cent-per-cent fully realized pure devotee guru is indispensable for significant spiritual advancement. By reading Prabhupada’s “unchanged” books a person can come to their own conclusions about his teachings. Try to schedule in time regularly to read such shastra, even if it is just five or ten minutes.
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On the various Egroups, and now on facebook, post nectar [not argumentation], then actually live the lifestyle! It’s a great place to make devotee friends on a variety of levels, exchange spiritual stories, inquire, etc. Don’t be afraid you might ask something foolish; we all did, and do! Join the club. ha It’s always a learning process. No one is above a blunder, myself included. Kindness and heart are the spiritual qualities to focus on. We learn by doing, by sharing.
In case you didn't see it yet, there's more ways for practical service here.