I listen to espn radio a lot (my job is a travelling job in my vehicle alot). I was listening recently to the sportscasters talk about the struggle pro-athletes have adjusting after their playing days are over. They go from millionaires to broke so quickly. Why? Because most of them failed to plan for the future, adjust their lifestyles, or failed to have a marketable skill to use upon their exit. Thus many hold on as long as they can, scared to face the future beyond the field of play.
As an ex-jw myself, I can totally relate to this. I was rasied as a JW and upon being out of it, I've struggled to adjust socially and to reconcile long-held beliefs. Many of the same reasons apply.
Have you seen this to be true in your case?