[jfengel]

Beyond a certain point, you have as much money as you wish to spend. Some people don't seem to have a top limit, but for many, those lucky enough to earn more will just put it away.

The difference in your lifestyle isn't now, but in a few decades. It's hard to know when you have enough for the rest of your life. There are formulas, though I don't really know how meaningful they are.

Meantime you're clearly leading a better life now, and may well not mind having a few additional years of it (compared to a bit less time with a lot more aggravation).

So, congratulations. It sounds like you made a well-founded choice.

[ghaff]

I probably saved more than I had to do and probably shouldn't be as (relatively) frugal as I am. COVID definitely pushed out a significantly earlier (semi-)retirement.