Your call, of course. But when in your situation, I looked at when my youngest was to head off to college (when the nest would be empty) and I marked my calendar. To your point, while the rest would empty when I was at the age of 57, it didn't seem like I would need to continue to accumulate the spoils of a software engineer when I had the 529's, the 401k by that point [1].
And so at the appointed time, I walked away.
(My retirement plans though also involved leaving the Bay Area—which I did not want to do while I had kids in school. Selling the Bay Area house, buying one in Nebraska paid the early retirement—why I thought it necessary to move in order to retire.)
[1] Told the wife I could get a job at Home Depot if it looked later like we needed an income injection. (Wondering if I subconsciously want to work at Home Depot.)
And so at the appointed time, I walked away.
(My retirement plans though also involved leaving the Bay Area—which I did not want to do while I had kids in school. Selling the Bay Area house, buying one in Nebraska paid the early retirement—why I thought it necessary to move in order to retire.)
[1] Told the wife I could get a job at Home Depot if it looked later like we needed an income injection. (Wondering if I subconsciously want to work at Home Depot.)