Counting on 10% returns long term is way to aggressive especially when you have to consider sequence of returns risks during withdrawals. Even 5% is not conservative enough while you are in the withdrawal phase.

If I had $5 million of investments outside of my home, would I work? Maybe? My job is far from stressful, I work from home, I “retired” my wife over 5 years ago when she was 44 eight years into our marriage so she could pursue her passions and we could travel a lot.

All of my friends still work so what could I possibly do with my free time that I don’t do now? The only restrictions that not working would lift is that we could more easily spend an extended amount of time outside of US time zones.