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And you will live off... what exactly? Fall back on what skills? What does that even mean?

Your reply is cryptic and leaves crucially important details out.

OK, I figure I don't want to work anymore. Who pays my rent / mortgage? Who pays food, bills?

You save money.

Take some time off and live off your savings.

If you want to start making money you go back to the workforce (e.g. fall back to your skills).

I do that, many others do that.

We still can't sit two years without a job though.