RAE
Thinks s/he gets paid by the post
time>>$$$
you can make more money, save more money, spend less money but the time you have (and have left) is a constant and never can change. It was perhaps the one talking point I had with my wife that she had no counter for . You can wonder if you have enough money and therefore need to keep working but if you are pretty much FI at or near the lifestyle level you wish to be at that top equation is unbreakable IMO and wins
+1. I never considered taking a contract job (or any job) after I retired, regardless what I may have been offered (and I did have a couple offers). My free time is worth way more to me than money at this point in my life.