But you can take a comfortable number of years off though and it is very nice to do that. Decompress, spend tons of time with those pre-teen kids while they still are that age.
I took about 3 years off in my 40s when my child was starting elementary school. Spent all my afternoons playing with the kid and all mornings (school time) working on my personal projects at home. Highly recommended!
With 2.8M while you can't retire forever, you also won't have any urgency to find a new job so you can be picky when you start looking, like I was. Finding a new job can be difficult if you're desperate for it, but with no urgency you can hold out for a great job.