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. The best ones are thoughts that many people can relate to and they find something funny or interesting in regular stuff.
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.
That seems impossible to measure, and being too spontaneous can be bad financially like quitting job after job.
I spontaneously go to work because I need a salary.