I have probably 20 years worth of annual expenses...now what?

[Baylor3217]

Maybe more if I really tried to tighten the belt and stretched a buck.  I'm in my mid-30s and am trying to think about what I'm going to do with my life.

If i can "hang on" for another 120 months I should be scott free barring some meltdown of society, which may be more likely now than any time in the last 30 years, but you can't worry about that.

Do I just keep my nose to the grind stone?

Do I try to do more than I'm already doing?

Do I enjoy things more while I'm 10 years younger than my mid-40s?  I really regret not pouring my life savings into AXP when it was $10 / share 4+ years ago.  I'd be off the grid now if I had, but the risk seemed to high at the time.  Hindsight is always 20/20 and I don't want to feel the same way in my mid 40s 120 months from now.

[arebelspy]

Do I enjoy things more while I'm 10 years younger than my mid-40s?

I'm not quite sure what exactly you're asking overall with the post, but the answer to this question is:  absolutely yes!  You should always be enjoying the hell out of life, whatever age you are.  Don't enjoy them more now, but enjoy them to the maximum possible extent now and later and later.

[grantmeaname]

Do I just keep my nose to the grind stone?

Do I try to do more than I'm already doing?

Do I enjoy things more while I'm 10 years younger than my mid-40s?

All of the above! Keep your budget tight and focus on doing fun things that you enjoy! It's not a choice between the two.

[Baylor3217]

My personal struggle is constantly trying to find ways to step on the accelerator a bit more.  I don't know if I'll ever actually retire given that I probably could at this point if the market even yielded just 4% for the rest of my life, but I would really have to watch my spending.

I enjoy my job, but am looking to accumulate more wealth and a bigger safety net.  I just don't want to be one of those folks that looks back when they were 50 and, although they had a lot of fun and success, feels they didn't live it to the fullest.

[Jamesqf]

Do I enjoy things more while I'm 10 years younger than my mid-40s?

YMMV, but in my experience, no,  Some things do get boring after a while, so there's a bit of a challenge in finding new interesting things to do, but I think that pretty much happens at any age.

[Left]

I should be scott free barring some meltdown of society, which may be more likely now than any time in the last 30 years

I don't see how now is any different than past... Yes I'm in my 20's so I may not have as much life experience, but from what I can tell from history, it's pretty much the same. Only thing that's really different is the media choosing which news to make dramatic.

I'd say enjoy it while you can