Wow, so many replies. To answer the general flow:
1. The apple and furniture payments are zero interest. I figured that money would be better spent on Vanguard shares since I don't have to pay it all up front. Specifically, the apple was expensed by my business.
2. As for the SEP - my accountant that I just hired this year mentioned something along these lines, and I am very excited about it. We're going to look into it this year to protect more of my profit.
3. I really enjoy my work and plan to stay in the field for about 10 years, because I want to hit CTO level before I retire(so I can say I've done it all). I am aware I could retire in 3-5 years but I wouldn't want to, I'm only 26, and I like building products from the ground up, and leading teams. It brings me great fulfillment, more than anything else in my life besides my girlfriend. I plan to continue consulting after retirement.
4. The Vanguard IRA is a traditional that my girlfriend's mom told me to chuck 3k in at the beginning of last year, since the previous year I'd only worked for half the year and hadn't made very much, so I could make contributions. There was also no 401k yet at my job then, so I threw 3k in. I can't throw any money in there any more since maxing the 401k out and I make too much.
5. Forgot to add my stock options in the company for which I work. They are going to be around 250-300k in a few years. It's not a small startup, it's a half billion dollar company. I'm pretty sure their projections are right, but I didnt want to include this initially as this is much "riskier money." It could be zero in four years for all I know!
6. My girlfriend is responsible for it not being 60 something percent. She almost completely lives with me(she spends 5/7 days here), so the food includes her, and the car insurance payment is just for her, and I got the maid so that I could convince her that mine was a good place to hang her hat. Call it making a nest. Oh yeah, I got rid of all my old college furniture to furnish that nest nicely, too.
If I didn't have a girlfriend, there would be no dating fund, and I would have already sold the car, and screw maids. The dating fund is a relic from the time before Mustachianism(the first six months of my working life), where I set up my 55k salary to have a 100$/week dating budget. I had a 3% savings rate back then but thought it was okay. Then this year I got a raise, started the consulting firm, and my income tripled, but you could say my lifestyle only "1.5ed" because I kept it under some control.
Unfortunately, she made it pretty clear to me that if I dropped the budget to 3 or 200 a week she probably wouldn't stick around, especially since I was now rolling in it. She thinks it's ridiculous, especially since she grew up in a family that lived off 30,000$/year her entire life, to "waste our 20s not doing all the exciting things Chicago has to offer when it impacts us so little"(paraphrased). And we do some pretty awesome things - wonderful dinners, concerts, shows, etc. Time of my life. I guess you could say she doesn't have the mindset for it yet, and she's a bad influence on me.
I know this sounds really really bad on her part, but I've been chipping away at her and since the move out of Chicago to Oak Park where everything is cheaper, we've been going out less and the last month I only spent like 75$/weekend. So I'm working on her. I would not consider her a "gold digger," as when we met, I had 300$ in my bank account, and no job, and I spent 70$ on the first date to take her to a nice restaurant to impress her.(We were in college.) She fell in love with me when I was poor and had nothing, I just think that she has trouble adjusting to the idea of living more frugally.