What are you going to do after you "cash out"? Work can be a source of purpose in one's life. I don't believe in this idea, that seems implied in your post, that bliss lies in comfortable unemployment.
>What are you going to do after you "cash out"?
Whatever you want! Start another job, go trekking, work for a charity, write poetry.
The original article questions whether money can get you freedom, the answer is : yes it can! The ultimate freedom is choosing to do things each day because you want to, not because you have to.
You can start another job, go trekking, work for a charity, write poetry, etc. without needing to cash out. Just do it now. No need for money, if that's what you really want.
Your life is made up of what you are doing right now, not what you think you're going to do sometime in the future.
In other words : you can't sell a job, so why spend 40 years working at one?