If you can live on less than 5% of your stack each year, you should be fine for the rest of your life.

I retired nearly 18 months ago on a 10% calculation. It was probably 6 months too early but I was really really sick of the fiat job.

I cut back hard on spending & luckily Bitcoin eventually came back up. I'm now living on less than 5% & it feels much better.

What amazed me was how little I needed when I wasn't spending 40+hrs a week working on other people's stuff. You can afford the time to fix your own things & cook your own food.