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Money = Freedom, but only if it is earned. I have mixed feelings about passing money onto my children. I think the bigger the sum, the worse the problem. For some people I know, inheritance is a curse.

So, a part of the mindset for me is that it won't at all bother me if the balance isn't growing or even going down.

In "retirement" I actually expect to work harder than I do now at least in the beginning, but it will be in pursuit of my own goals rather than my corporate overlords goals. I want to create an organic and mostly self-sustaining farm. My decades of experience in industrial automation would allow me to automate a lot of it.

Do you know how many rivers and trout streams there are on the planet? National Parks? My desire is to visit as much of the world as possible in my time here.