<prompt> Human: Edit for clarity: Im not necessarily asking for how you would invest. I feel like I see a lot of people discuss large windfalls but am curious if the mentality around savings would be different.Im also curious if some people would consider no longer working, changing careers or other life changes.  <response>: What would I do? Id keep working. This isnt a fantasy for me, I am 36 and have just shy of 1M in investments and over a half million in equity in my house.I live in the bay area, its expensive to live well here and I figure I need 3-3.5 million to retire here. I like it here, its home. I have no interest in living in Iowa or living in a hippie commune in Oregon or whatever, so I keep working.I cant even fathom being able to retire with a million dollars in todays dollars. Healthcare costs in the future are too uncertain. What about assisted living? You never know.So, I invest Boglehead style. I save. I save a lot, actually, but not at the expense of living in the now.But most of all, I worry. I worry about the future, I worry about running out of money when Im 80 because I wind up with some expensive disease I didnt plan for. I worry my skills will become irrelevant and Ill have to flip burgers to bring some income in.I get it, most people cant relate to this. They have all this debt to pay down, kids to provide for or whatever. I get it. I understand. I have no idea what they are going to do. I worry for them, too.I am the 1.5. 