Thanks in advance for your expert opinions.
INCOME
I own a company and my paycheck is around $60,000 per year net. I've been working part-time (really only a few hours per week) and remotely (full-time nomad, we don't keep a house anywhere) for the last 5 years, feeling like of FI, but still worrying about saving and earning more.
EXPENSES
I spend around $15,000 per year (average over the last 5 years)
My company pays some of my expenses (health insurance, some travel)
DEBTS
zero
ASSETS
Emergency cash - $15,000
Investments in Vanguard, Lending Club & Wealthfront - $354,000
Residential Real Estate investment properties - $286,000 that I've put into 3 projects. None have loans, all cash-flow every year and I earn around $10,000 in rental income.
So cash flow-wise I'm in good shape. I'm 39 and (touch wood) healthy. My boyfriend is also pretty much FI with close to 800k in vanguard and only slightly higher annual expenses. He's worried a medical emergency might take all our money...
He has BCBS insurance and I have a major medical ex-pat medical insurance.
What do you all think? Thanks so much in advance, I appreciate your time! Mustache for life baby.