What a great thread. All of the experience here is amazing.

I also have kids/spouse with dual citizenship, no debt (including house paid off), and a healthy net worth (>OP). But as much as we would like to, we have concluded that we need to work as long as possible, for the reasons already stated. As we are nearing 50, our “re-employability” is definitely dropping, and we’d better save as much as we can while our health etc. is still good. Soon enough, we may no longer have that option.