You may find you are able to adapt or change your lifestyle to living simply and do work you truly enjoy. Your mental and physical health stand a much better chance living a much less stressful life if you are able to adjust. I have a family and was hesitant to risk their futures but finally realized you have to take care of yourself so that you can take care of others. Really in my case it took 6 or so years of struggle and 2 more years to adapt. I ended up with a pension but the real reward was two years after that I found a life I really enjoyed and eventually made more money that I did all the previous years. It makes you think you should have done it sooner. I started my pension when I was 53 years old.