I need advice from anyone who had quit and / or come back later.

I will try to keep it short but it's difficult.

In a nutshell, reasons why I am thinking of quitting are two.
Real life (building my house, expanding my business, studying to get a new license).
Lack of enjoyment in the game. (Not going to explain why because so many others say it here every day anyway.)

Now I am very busy and I have not played in over a week. I used to play almost every day, at least to do Roulettes. But I have no time and no motivation to log in. But I miss my FC friends already.

My subscription renewal is coming up, so I want to make a decision before then.

My questions are these:
What should I do with my money and items? Should I give them to someone / put them in our FC chest?

If I keep everything, but never return to the game, it's such a waste! I have friends and / or my FC who could use money and items.
But, what if, someday, I decide to come back? I will have no / little money and few items.

Right now, I think there is no chance to come back. I can only imagine becoming more busy and, if I even have time, there are other games (not online games) I want to try playing.

I thought about logging in, just to talk to people, but I don't want to pay subscription fee just for it. I can go out and meet people to talk to instead.

Before my subscription time runs out, what should I do? Does anyone have a similar experience? Anyone who gave away their money / items and came back later?
If you did return after a long break, how did you feel about the game? Was it worth returning to?