You're throwing away $18k/yr in tax-advantaged money by doing this - I would strongly suggest you reconsider your strategy.
I'm not saying I don't contribute. I put in the max for 401K and IRA but I'm just not counting on that being enough to retire on. Personally when I soft-retired (hopefully around 50) I plan to still work doing something to occupy my time and pay the bills. I'd like to use as little of my own money as I can while still enjoying a lot of free time.