Retirement Optional is the point in which you are Financially Independent but you do not wish to quit working all together. This could mean that you want to stay at your current position or leave and seek something else to do entirely.
Often Retirement Optional is the point in which you have enough FU money that will allow you to reframe the work environment around you. FU money allows you to have the upper hand in salary and work conditions. You can ask to change the conditions of your current employment and if your employer doesn’t want to allow it, you can retire, its your option!