I have the same feelings as the original poster as I get further into middle age and have a good retirement nest egg - for me there are things more valuable - free time and the things I want to do with it but can't get paid to do - than making more income than I really need.

How much do you have saved?

Enough that a 5% annual return is enough for me to get by. I'm certainly not done working - I want to get that to 3% or so - but it does make it a bit demotivating some days when I look outside and imagine the other things I could be doing with my time.

I mean, I'm totally with you... It's just never clear to me what "enough" is.