You seem to have a pretty small nest-egg considering the number of years you've worked and the amount that you make. I'd suggest that, given what I assume to be your spending habits (and it's just an assumption), that you really can't afford to not be working anyway. If I were you, I'd practice minimizing what I'm spending per month before I even thought about what else to do. Being independently wealthy is a continuum - many people could stop working if they were willing to minimize their spending dramatically.