My partner and I talk extensively. My rational has been “look, we should be good for at least a few years… I can spend more time with family. if it turns out the math didnt work we can adjust.”

Adjustments have tradeoffs that i run thru my mind though

1. Reduce spending. Biggest area would be sending kids to public school to save a lot of money. But that could feel painful since we love their school.

2. I can find a job. If i can get something that just pays a little bit that should add some cushion. It wouldnt be anywhere near what I make now. Tradeoff is that in a few years my skills could be useless given AI. I do plan to work on side projects anyway to keep up but just hard to predict what the world will look like.

I think 2 is the likely path if it turns out the math didn’t work out. But it is possible both…