I have about 10 years left where I need to hit it hard, putting money in the bank. After that my plan is to slow it down with temporary assignments only while my wife works enough to get health benefits. Maybe there will also be some "in between jobs" times, I am almost hoping for it ...
I won't have millions to retire on. We had this discussion before where I mentioned that I believe my expenses can be relatively low with hobbies like hunting, fishing, mountain biking, hiking. With more time, I can drive an older car and fix it myself, maintain my own home and garden, cook for myself all the time etc.
If it gets tight, I can always rent out my Bay Area home and move operations to a low cost state or a mobile dwelling. One thing I would love to do is be a camp host at a state park. You camp for free, meet people that are on vacation every day and have to do some light duty work. Every camp host I ever meet is loving it.
Back to work tomorrow ....
G