I retired from my day job 4 years ago and have opened my cabinet shop full time plus I sell curriculum materials for a textbook company. I guess I totally flunked retirement but I'm much happier than I ever have been. I work more than I ever did and am probably further behind than ever but it is much more of a satisfying work. I did make sure that before I retired that I had as near as possible a full set of tools and a nice shop that were all paid for so I didn't have to feed the finance monster every month. It took me a long time to work myself into that position but since I did life has gotten better. In 12 years you can put yourself in that position too. It took me about that long from setting my goal to actually achieving it. Good luck to you. My response it to tell you that it actually can be done.
I once heard that cats and women will do darn well what they please and that men and dogs would do well to accept it and just go on.