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Got 23 years on the clock, exit plan is FIRE (Financial Independance/Retire Early).
It's a nice feeling when you are setup financially even if you choose to carry on, you never have to stay somewhere terrible, work away from home (unless you want to) etc.
The time to pack in is when you've got enough (20x annual expenses) and you've had enough. Just make sure you get to the first one before the second....
Alternative - don't work summers regardless of offers/current contract, if you are any good and got some reserves, you will pick up work as and when.
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