Star guru there are few things in life that can prevent you from reaching your goals now. The foundation is laid and its only going to get easier. You are ahead of where I was at 36, in fact even though I have a little more in the pot I think you'll pass me by soon and I'm 45. Your rate of rise is faster. Live a great life and best of luck.
Thanx for these kind words. I worry that I didn't set my goal aggressively enough. Back when I formed the goal of 1MM by 40, I was barely maxing out my SEP. At that point, with 200k saved, saving 100k a year was a long shot. I remember saying "Im gonna need help".
However, I managed to increase my income x2, most of the increase being saved (avoid lifestyle inflation; although did have a kid and buy a house so expenses went up). I remember talking with my mom, and she said "If you can get to 1 MM by 40, you can get to 2 MM by 46, and 3 MM by 50" since all that capital really starts working for you.
But, things being where they are, now reaching my goals seems almost assured (fingers crossed), so it might be time to reevaluate. Im wondering if I can move things up by a year. 1MM by 39, 2MM by 45, and 3MM by 49 (then retire).
Or I can just stop worrying and figure it out as i go. Although my earnings seem stable, and I like my job, no way to know if both will continue. No way to know if there will be a market crash.
Hmmm