If you're in the US, and are a programmer, your savings are way way too low for your age. It means you either haven't been changing jobs often enough, getting massive raises every time, or you spend too much.

If you're a US citizen, consider finding a well paid hourly remote job, and move somewhere cheap. You can reduce your work hours to literally 1-2 per week, enough to sustain yourself. Europe is quite cheap if you avoid big cities, Switzerland, and Norway. Most of Asia is very cheap except Singapore and Japan. There's also Africa, South America, and a gazillion island nations.