Theoretically, you can work less. Then again, it's hard to guarantee the market won't tank and hurt your savings, that taxes won't go up, that a minor healthcar

Theoretically, you can work less. Then again, it's hard to guarantee the market won't tank and hurt your savings, that taxes won't go up, that a minor healthcare crisis won't screw you over, etc. etc. The notion of "retirement" is a quaint one.