I hate to say this but it honestly depends on the person and their desires. I will say having a partner who works helps tremendously. I am responsible for my part of the total expenses. My wife is responsible for her part. It makes things a hell of a lot cheaper when calculating all of this. In terms of moving to more conservative strategies, if you were to put the bulk of your money in a 30 year note at 3.9%, could you live off the interest it makes while doing the things you want? Id start there. If not, what is the % return you need to stop working and live off the interest with what you currently have saved, properties etc? That % is what you want to shoot for and how conservative (or not) with your investments youll need to be. In terms of being partially done. Id advocate for everyone is go part time first if they can. My mind set right now is, I have enough, why do I need more than enough? My strategy is the next year or 2 will show if I can keep my standard of living while working 12-16 hours a week. If I can, Ill contemplate working even less or full retirement. I did read (and agree with) where those who are able to save say 50+% or so of their income already have a lower standard of living and are practicing for when they retire. Id also try that first. If you make 200k a year and only save 20k, then you have to account for that and either find a return that yields you 180k per year or reduce your expenses to equal a more conservative yield like 4-6%. As an example, for me, the percent return I need to never touch my principle of my retirement is ~3.5%. My investment strategies are based off that.