I think the headline should be: SAVINGS RATES CRUSH INVESTMENT RETURNS
OP: I apologize for being a Negative Ned here, but you got one of the great bull market runs in history, and what is the balance on the account today? (I can't quite tell: the graph make it look around 50K, but the "Ending Balance" is 88K?) It looks like you only contributed 30Kish over that time period -- why so little?
Imagine if you had contributed, say, $100K, over this time period... or imagine if, like many do on this forum, you'd contributed $100K each year of that bull market run.
People spend far too much time optimizing investment returns... when they should be optimizing their savings rate. And that is done by cutting your living expenses, or by growing your income.
I feel bad writing that, particularly since we're about the same age and we both love Vanguard index funds. Nice job on the returns I guess :/