Of course money for money’s sake is nonsense, and kudos on amassing already 10 years’ worth of your expenses.

However, to have a reasonable chance of living off your savings for the long term, you need at least 25 times your expenses, and even that will see you through just about 33 years if historic bad returns happen just when you retire (at least in the US).

If you want to retire at 45, with a life expectancy of more than 35 years (let alone retiring before you’re 40 with a life expectancy of more than 40 years), you better save a lot more.

One way to do that more easily is to live a life of extreme frugality in retirement, possibly by moving someplace with a very low cost of living. However, you then pay the price of losing touch with most of your family and friends. You also need to make sure that place is a good place for growing older without increased costs.

Finally, some people are fortunate enough to have found work that enlivens them, and retiring to doing nothing but sitting on a beach sipping mimosas sounds great for about a week before you start going crazy with boredom and lack of purpose.