You've played by the rules - saved, invested, worked hard and you're there. No mortgage, car loans or any kind of debt. You know how much the pile grows each month and it's nothing to sneeze at.
How do you know when it's time to call it a day? And retire?
I was in this position many years ago though I have never owned a car and in Finland(Europe) 97% of students never consider a study loan... but as disadvantage we have higher tax then USA and cars/fuel is really expensive in Finland.
I very quickly noticed that if I have no debt this save save save money that you posted in a other thread does not work for me. If I have no debt I start to spend money like a crazy then you can multiply my expenses and I am serious about this.
People are different and please do not try to change me. Today I am landlord in Finland(Europe) and I don't live on rent and I rent 3 apartments to other people.
Since in my mind I remember that I have debt totally roughly between 150 000-200 000 euro I am in the mode of living with your life style i.e save money pay of debt etc.
My passive income is more then 1500$/month and this is not my total income only the real estate extra income. I think for me to retire I want roughly something between 2000-3000$ extra income/month.
As for your situation. Eh I really can not judge you and tell what is best for you, but while we do not share equals views at investing I do admire your commitment of saving money.
As for my wealth most of my wealth I have built myself though I would be a liar to say that me, my brother and my sister would have not had a benefit that we had a father that was a very well paid doctor
. Despite working many years as an IT employee I have never got even near so much salary that a well paid doctor can do...