Everyone has an opinion about your risk tolerance the moment you mention leaving something stable at 45 — too late to start over, too young to coast, a mortgage and a pension you'd be walking away from. Anyone actually done it? What did the math actually look like when you ran it, and was the fear or the reality worse?
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Did it at 46. Two hard years, no regrets. Happy to answer anything.
The risk everyone warns you about is mostly their own fear, not your situation