less is always more.
less children you have, more disposable income and time to go surf.
less you work, more time you have to go surf.
less you owe, less you have to work to meet monthly obligations, more time you have to go surf.
less money you have, less time you spend worrying about said money, more time you have to go surf.
minimalism is the key.
clearly you have to make time to dumpster dive for food, and scavenge a few banana leaves to cover the hole in the trees you use to sleep in close to the waves; but other than that? surf, surf, surf, surf, and when you are all worn out, tired, bushed, can't raise your arms above your shoulder no more? GO SURF SOME MORE!!!
pretty easy really, we just all get caught up with all the BS life has to offer.