I hear you @Stasher.
I was slowly but surely approaching my magic FI passive income number and the closer I got, the more I was thinking about life beyond.
I found myself getting even more cantankerous, calling bullshit when fairy tales were being passed off as reality. I still cared about delivering quality work and delivering what my client wanted, even if I no longer particularly cared about suiting up for battle each day with the large consultancy that was robbing our mutual client blind.
It certainly made it hard to sit through yet another bullshit project status meeting about yet another meaningless programme that nobody seemed to really understand or want.
One thing I will say is ask yourself how much the mental box tick for your FIRE number means to you?
Is it something you’ve been working towards for ever, or just some arbitrary milestone that represents “enough”?
Will you second guess yourself, wondering if you’d jumped the gun by pulling the pin early?
If the answer even might be yes then I’d suggest hanging in there, seeing if you can find more of your happy while staying the course until you reach your goal. Explore a part time work pattern or remote working for some of the week to give you more flexibility/control of your day.
For me I was rescued from making this decision when Brexit happened. The British pound tanked, which made anybody with an internationally diversified investment approach look like a rockstar performance wise… the chart below tracks the same FTSE100 index denominated in GBP (white), USD (blue), and EUR (purple).
My magic number flew by, and that nagging doubt flew off with it.
At the same time it likely killed off my long term plan of retiring to the beach in the south of France. [insert your own proper angry dad tantrum mental image here]
Time will tell if my magic number proves to be enough, but knowing I’d reached the number I’d painstakingly worked out would get the job done means I don’t lose any sleep second guessing myself.
Of course I also recognise that any massive currency devaluation on an island nation is most certainly a bad thing, as imported inflation is going to make pretty much everything cost heaps more in years to come… which kind of sucks if you’re a retiree!
Do what makes you happy.