I’ll take a year off, spend more time with my family, parents and friends and travel (hopefully) but plan to go back to my old company, but work a lot less, maybe just a few hours a month.
Concerning my investment strategy, I started with a Vanguard ETF, then tried everything else, from crypto gambling (lost some money there), robo advisors, P2P Lending, real estate crowdfunding and value investing.
Today I am more interested in the companies I invest in now and care about what they do, not only how they perform financially, so while I still have my ETFs and plan on keeping them, I no longer buy new ones. Instead try to find interesting companies that I can invest in directly.
An important step for me was that we were able to buy an inexpensive apartment a few years back. Since we are paying now a lot less mortgage than what we paid in rent before, this freed a lot of money that we are able to invest in the stock market.
I calculate with a 8% SWR because I can do twice as good as the the average
Seriously, I think the 4% rule is for the very cautious. I plan to use a dynamic withdrawal rate of 3-6%. If the market tanks, we can always cut down on expenses, take a margin loan against my assets at around 2-3%, go back to work and/or find another way to make more money. I will avoid selling too much stock in a market crash, which is the main reason for the 4% rule.
Here is a pretty interesting article concerning dynamic withdrawal rate (in German)