I do not have this issue. I already don't want to work as much anymore.I'm hovering around this point myself. For me the mitigating factor is knowing how much I'm mentally "built" like my grandfather who raised me, and how once he retired is when his body really started aging. Like it was a work dog that knew it didn't need to work anymore. Trying to avoid that. The money already says I could hang it up tomorrow if I needed.
It will take me a bit to find my footing with no job but certainly not that long. I look forward to lower stress and just doing what I want.