I mean, yes? You do indeed need an emergency fund, and the theory, which various retirement vehicles are designed to support, is you set up your affairs to permanently slow down at around 65.
Before that is outside of the reach of most people, but if you want to do it sooner, the way is straightforward: increase your savings rate.
It's math and economics... once you don't need the income anymore, you get to slow down, until then, you manage your stress and anxiety as best as you can.
I am also self employed, fortunate enough to be in the technology profession where we're relatively well paid - I hit the "I could stop at 65" number a few years ago and the way I see it every year I put in at this point, is just bring that number down lower. At some point my age and that number will meet in the middle.
I'd forget the word shareholder even exists.