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You "retire" only when you don't need to work anymore to stack more sats. That means you calculate how much time you think it remain to live and how much +morf or less) you will spend from that stash a simple normal life, in peace.
I did that (stop working a job) in 2019. But I worked hard stacking many years. I also worked hard onto how to live on bitcoin standard, surtounding me of people that accept my sats for products and services. That was a long way and dedication for years. Yes, I do not have anymore bank accounts, from 2018 in fact. I pay only with btc.
That's why I have time now to dedicate me 100% only to bitcoin education. I work for Bitcoin success now. This is how I protect my stash: helping more people to use Bitcoin.