The threshold is whether you need a job. The difference in stress of needing to hold onto a job, versus of being their voluntarily, is huge. And it's not binar

The threshold is whether you need a job. The difference in stress of needing to hold onto a job, versus of being their voluntarily, is huge. And it's not binary. If you have a few years cushion saved up, it's a huge decrease in stress. If you have a mortgage paid off and enough to retire off of, most people in the world would call that 'rich.'