I did not base my retirement on just a net worth. I based it on when I would be covered by other health insurance (Tricare).
Yes, I am probably more paranoid than most but I have had two family members that had rare medical conditions and their care cost literally millions of dollars. I did not want to leave work and then find myself in a bind. Plus, I found my career field to be intellectually interesting.
So, as a result, when I finally decided to leave work, my finances were definitely "obese". I was able to spend more time with my mother before she passed away and visit an uncle before he passed without worrying about having to hurry home. Plus extend my visit when my grandson had to be rushed to the hospital for a few days stay. Working now on traveling more and ensuring all grandkids have a healthy 529 account so no loans will be needed (and maybe something left over for their kids, especially if they do the tech school route).