Just keep doing what you are doing! Your are certainly making progress! In the meantime keep an eye out for higher paying positions, promotions, raises, etc. Several times I have been pretty sure I was maxed out salary wise, but then another door would open and I'd walk through it. Every time, my pessimistic (no increase in pay) projections got better and better. If you really want to get aggressive, post a case study, I'm sure we can find some fat! Also, when you get to a point where you think everything is optimized pretty well, give yourself a break. Keep your good habits, but don't look at your accounts or dwell on retirement for up to a year at a time. There is a lot of living to be done before now and then. Set some other goals like fitness goals, local travel, etc.