That’s very conservative… I’m not willing to go that far hahaha. I’d cry if I was averaging 4-5 but I see where you’re coming from

First of all, 120k at 26 is a great number. More than most people will have. Good job.

I encourage you to use a compound interest calculator and play around with numbers. I would use 7-8% interest to be conservative (using S&P 500 historical avg as a baseline). Find out what your monthly expenses are and what you expect them to be moving forward. Keep in mind that inflation will result in life being more expensive in the future. Use the 4% rule to determine what lump sum of money you need invested to keep things going. Once you reach that number you can stop contributing and let it grow. You have different options - check out CoastFire, FatFire, etc to see what appeals to you.