You are absolutely right. It's much harder to do with young dependents. I'm 55 now and my son is 27 and daughter 24! However, I still think the same rules appl

You are absolutely right. It's much harder to do with young dependents. I'm 55 now and my son is 27 and daughter 24! However, I still think the same rules apply. Ram down expenses as much as possible. I did this when my kids were much younger. I couldn't get away with working 3 months a year, but I often did a six and maybe a 3 and had 3 months off. Back then I'd spend the free time with my kids. These days because they do their own thing I head off to Phils or Thailand and go diving.