Here's some of the things I did in a similar situation- - I told work I was cutting back my hours. They had some concerns, so I'd start the conversation early. Currently I'm only working 4 days a week & it makes a huge difference in my life. - My wife & I picked out "IPO presents" for ourselves. She got a minivan, I got a nice grill. This seemed like a good balance between "don't do anything for a year" & "we worked hard to get here & can afford it". - if you can find a good fee only financial planner, hire them. We pay ours a ~$200/mo retainer to just talk about money things on our mind. She's been able to make many valuable insights & suggestions as we've been trying to adjust to the changes in our lives & futures.