FIRE has so much MMM and other baggage associated with it, I prefer to avoid the term. What is true is that, as you get late career, it's probably simultaneousl

FIRE has so much MMM and other baggage associated with it, I prefer to avoid the term. What is true is that, as you get late career, it's probably simultaneously more difficult to land a new job, starting something brand new may be less appealing, and you may be in a position to not work full-time as an employee even if the move isn't quite on your own terms. Personally, I've been in the position for about 5 years now where I could have ended up mostly retiring if that's what was in the cards. And it's a very liberating feeling even if you don't have to or choose not to exercise it. Makes it far more of a non-event (for you personally) when layoffs come knocking.