- How much per year do you want in your pocket? - Where do you want to live? (think climate, cost of living) - What will you do with your time? (take a year or two off, you may get bored) - How much will your retirement activities cost?
You get the idea.
Also consider part time remote work. If you're skilled I'm sure you can find a company that you can put in 10 hours per week at and it doesn't even have to be programming.
Do you have real world experience with that? I found on the contrary that the more skilled I get, the less companies are willing to make me work only part time. Which is too bad, because part time high paid job is really the best of both world.
Part time jobs in restaurants is what allowed me to learn programming when I was in early adult life, and I crave for as much time to learn new things, nowadays. Sadly, while people I work for are willing to negotiate insane amount of money (in my opinion), they are not to concede the slightest amount of time.