I’m in my 30’s and set to retire on track with a 2.5% withdrawal rate on my 401k. However, I’m worried about what life will be like without my job

Core Insights - The FIRE movement is gaining traction among young Millennials, particularly as the stock market experiences significant gains due to the AI boom, leading to financial opportunities for early retirement [1][6] - Financial capability does not necessarily equate to the decision to retire early, as individuals must consider the opportunity costs associated with leaving their careers [2][5] - Concerns about lifestyle and purpose in retirement are prevalent among potential early retirees, indicating that financial readiness is not the sole factor in the decision-making process [3][5] Group 1 - The stock market's performance has positively impacted Millennials' financial situations, enabling some to consider early retirement [1][6] - The concept of "fat" FIRE is highlighted, where individuals have sufficient funds to retire comfortably, yet they still face doubts about the implications of early retirement [2][3] - Early retirement does not have to mean complete withdrawal from the workforce; options such as part-time work, freelancing, or volunteering are available to maintain engagement and purpose [4][6] Group 2 - The lifestyle associated with early retirement raises concerns for some individuals, leading to the possibility of returning to work if the retirement experience does not meet expectations [5][6] - The decision to retire is complex and often involves reconsideration, as individuals may choose to retire multiple times throughout their lives based on changing circumstances and desires [5]