First post. Avidly reading "what's your number" and related threads on "why to retire"...the market updraft has allowed us to reach 25x projected retirement spending. I would have preferred to reach 25x spending during a down or level market to make that 25x more robust. I have committed to working another 5 years to FIRE-proof that number. But just having reached it, psychologically, this has resulted in me pulling back at work and, in the desire to save more. I have senioritis and I don't think it is healthy for my job or for FIRE.
You need to figure out what the heck you're doing.
I could understand this attitude if you're locked in by restricted stock shares or some other vesting scheme (like a military pension). I see that issue all the time with U.S. military servicemembers. But you appear to be able to invest your existing assets in an allocation that has a reasonable chance (80%-95%) of supporting a 4% safe withdrawal rate
right now. Instead you've elected to keep slugging away until you have a 100.000001% success rate on that SWR. 25x is a threshold for inflation-adjusted spending, but the reality is that you're going to vary your spending: more when you're feeling the wealth effect and less when the market is in a recession. It's human behavioral psychology, not just math.
If you feel that the market is overvalued for your risk level, then change your risk level. Sell some of your asset allocation, raise cash, and have 2-3 years of spending in CDs. Or buy an annuity to support 25%-50% of your spending. That way you can lock in some of today's gains and stop worrying about valuations for (at least) a few years. Or decide on a variable-spending plan like Bob Clyatt's 4%/95% system or Bud Hebeler's negative-feedback system to guide you through volatility.
I understand that market valuations matter, and that there's sequence of returns risk. But instead of setting some arbitrary prison sentence to "FIREproof" yourself, you should reduce your market exposure so that the sequence of returns can't keep you awake all night. Otherwise you're going to infect yourself with a mean case of "Just one more year!" syndrome.
As for "figure out" tactics, you could start with a few weeks of vacation to reconsider your plans and your spreadsheets.
http://the-military-guide.com/2011/01/06/the-fog-of-work/