I think the key here is to use it as a pivot in your life. Retiring on 1M$ is pretty hard (in the US), but do you really want to retire? Or work on something th

I think the key here is to use it as a pivot in your life. Retiring on 1M$ is pretty hard (in the US), but do you really want to retire? Or work on something that matters to you and might be more enjoyable and less stressful. For example, you could take a couple years to try to build a one-man startup. Working on building an MVP that would resolve a niche problem? You will be less stressed because you would know that in the worst case you can always go back to a comfy engineering job. With 1M$ you already did better than 99% of the people your age.