Honestly you realized this much earlier than most people, which is good! Honestly I’ve never found a good answer to this…

You can try to minimize the time you spend working by getting a remote job or a part time one, or ideally try to pile up some money to take a year (or any time) off if you’re confident that you can get another job after that. Minimize the money you spend on material stuff so that you can work less, or go somewhere on vacation…

But if you find a good solution please let me know :)