Keep it around as insurance. Don't spend money because you feel like you have to. If you keep it around, then it'll give you the freedom to quit your job when

Keep it around as insurance. Don't spend money because you feel like you have to. If you keep it around, then it'll give you the freedom to quit your job when it becomes a pain in the ass, or take some time off when you feel like you need to, or to be able to weather bumpy market conditions when others might struggle. It's life insurance. Don't be afraid to spend it when the time comes, but don't feel obligated to find a reason because you're bored. Personally, I've never regretted using money to get back more time or investing in my health (buying better quality food, for example).