It took a long time for me to leave my marriage because of all of the above. I left when I feared the present more than I feared the future. Actually started to think that if I stayed in the present, I would have no future.
So now I am living in a house that cost about 75 % less than what I had. But it's mine. I am making new friends. I am enjoying life, and I can actually see a future.
Go for the early out retirement. I did......