Thank you so much all of you for your replies, really helpful stuff. In particular I think Arebelspy is good enough to be a money coach. But I appreciate everyone's comments.
As for the inflation question, I had not really calculated that in other than to hope that I can achieve roughly 3 to 5 percent interest on top of inflation. I do not currently manage my own investments though. On the plus side I am already pretty frugal (my rent is only $425/month).
I think what I am really experiencing is the concept of "hitting a savings wall."
For example, if your portfolio is $10,000 then saving $500/month makes a big difference. In less than two years you will have doubled the size of your portfolio to $20,000, even without any market returns.
But my portfolio is not 10K. It is 20 times that size. So saving $500/month does not really make a difference. This is known as "hitting the savings wall." My investment returns are roughly two to three times greater than any additional savings I can kick in.
I can either take on a second job and save more like $2,000/month, or I can just keep the bills paid and let time go to work and compound the returns for me (semi-retirement).
If you are starting from zero then saving $500/month will make a huge difference. But if you are starting from 200K then saving only $500/month has very little impact. In order to truly make a difference with a 200K portfolio you would need at least $1,000/month in savings and ideally more like $2,000/month.
So the question for me is:
Do I want to try to double my income, and thus inflate my future lifestyle? Or am I content to be semi-retired?
This is exactly what Arebelspy deduced. He said I could go work full time and get it over with in a few years, or just keep doing what I am doing. Very insightful of him.
But I just thought I would clarify the concept I am experiencing. It is a "savings wall" due to my relatively low income compared to a larger nest egg.