> You can't even semi-retire on a few hundred thousand dollars.

If you're mid career and had aggressively saved prior to acquiring 400k, you could totally take up some sort of minimum wage gig to pay for insurance while your nest egg goes or take a nonprofit job.

That's my definition of "semi retirement", maybe yours is different.

Either you don't have any dependents or you and I have very different ideas about retirement. To me it sounds like you're only talking about the "RE" part of "FIRE".