There seems to some assumption in the OP that no debts and no mortgage means no bills – I don't have either, but still have plenty of bills to pay every month, and would still like to build up enough pension / savings to be able to give up entirely. I have enjoyed my job in the past, but it's changed a lot in recent years and right now am really hating it – but what else do I do to make money? Factor in that I don't want to move (is a superb place to live with two small children – I find it hard to imagine finding somewhere else as good, let alone better) and that the job I do is only 10 minutes commute, with the chance to get out on the hills at lunch. I'm just not so convinced that the grass would be greener with a long commute to anything else, when I don't even know what that anything else might be. That and I'd really be after 4 days a week as I have at the moment.
I'm sure from all that my job doesn't sound so bad – well apart from the 7.5 hours I'm actually in there every day I guess it's not! If I could come up with some positive ideas I'd be out like a shot, but really don't have any.