Not having to work meaning you will stop working or not having to work giving you freedom to stop but you most likely will not? If the former, what is the thing

Not having to work meaning you will stop working or not having to work giving you freedom to stop but you most likely will not? If the former, what is the thing you will do that you cannot start doing today? I am not rich (in the US sense) and my goals when I was young were to not leave anything until 'pension' (as that is kind of what you decribe but probably at a younger age than typical) so I set up everything so I could do all I want (and those things are modest anyway) before I turn 50. By 42 I did mostly all of them without being rich and while working at the same time (which is also a hobby) and while developing other hobbies and side projects.