Your net worth is not bad if you have no kids (or grown up) n you are on ERS. If not you need to earn or save more by investing in safe and sustainable havens like uint trusts with 5% and above returns. But realistically, as your annual wage is on the low side, u can "earn" more if u invest some of your $700k net worth (hope they are liquid n not tied all in assets) than from doing part time which will be more to keep yourself occuppied. Say u have $500k to invest in fixed income unit trust with average 5% yield, you can expect to see $25k pa or $2k pm. You can then reduce your part time work as the pressure to earn is not there. Essentially, if u have high liquid cash, on ERS and no debt, you dont need to worry much. Rgds.