There are some excellent ideas here, and I encourage you to implement all that make sense for you as you approach financial independence.
If you’re financially independent, you can cancel your term life and disability insurance. That’s $500 a month for me, and I’m sure many of you are spending even more than that.
If you are financially independent but still working, you can dramatically lower the financial risks in your life by continuing to save & letting your investments compound, even if you use a less risky portfolio.
Imagine going half-time. I wonder how many burned-out doctors would fall in love with medicine again if they only worked half as much.