I don't think we're in hair-on-fire territory
Let me summerize: You are 27, you make $345,000 after taxes and after saving ~$80,000 for retirement.
You spent less than $70,000 per year, so your after-tax savings rate is roughly 80%.
You have a net-worth in the seven figures (at 27).
What industry are you in, maybe I'll change my profession...
@?1:
I also think you are not in hair-on-fire territory.@?2: at less than 3% interest, I would also lean towads investing. 3-4 years from now, if you keep the apartment and you income goes down and you expect rising interest rates, you might need to pay down the principal, but that are many ifs.
@?3: unless the job makes you sick and hate your life: ride the wave for a while and figure out where you want to raise your children and how you want to live. Also a $150,000 dream job will be quite time demanding and a completely different life plan than early retirement.
If you want to retire early, you need more money in your after-tax savings. The net-worth of your apartment is nice, but even if it's worth 2 million: as long as you live in it, it doesn't generate cash flow.