I think it really depends on what kind of work you're talking about. Are you an executive with a 6-figure salary? I'd say maybe hold on to that for another year or three. Give yourself a bit more padding, sink it all into your retirement funds/annuities, or heck just stick it in the savings account at the bank. Why? Because "just in case" you need a new roof, or misfortune strikes and ends up costing an arm and a leg, you need access to cash that won't put a dent into that magic "94" end goal.
Are you working as a shift manager at a store, for under $40,000? Maybe switch down to a part time sales clerk instead. It'll keep you busy at least a few days every week, and give you enough grocery money that you can get the prime rib and lobster tails instead of the ground chuck and shrimp. Or make organics a regular part of your grocery trip instead of just a "oh that one thing when it's on sale" thing.
I'd definitely recommend doing -something- to keep busy. Keep your mind sharp, your social skills intact, plus it's a good segue from the routine of working 5 days a week down to no schedules, no cares.
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