I've got an answer to this, it is at least an answer for me. I'm North of 45 but not yet 50. I'll be selling about half of my stack towards the end of next year, for fiat. I'll be doing that in order to travel round the globe and not have to work for the next 4 years. Then 4 years later, I'll be doing exactly the same thing. In essence, I'm buying freedom.