Do you want money or freedom?
blog.buildv1.com
blog.buildv1.com
I'm not even sure it's accurate to say that "most" don't stop. I personally know some very driven people who have "retired". They're doing things now they feel are more fulfilling or more interesting.
I define freedom as control over your time, and I was trying to say that you don't need a ton of money to gain control over your time and that it's almost impossible to control your time when you're working for someone else. You're best off figuring out a way to generate passive income.
Whatever gives me a better chance at improving something that can and should be improved. If everybody waits for someone else to do it, it'll never get done. So if you think you can do it, you should.