According to the book "The Millionaire Next Door", you sound like a candidate (or already may be) a millionaire (accumulated wealth, not income). What you describe as how you would live if you had a million is the way most average millionaires live: frugally and unostentatiously. The book showed how one didn't have to have a huge yearly income to become a millionaire. Wise investment and frugal/careful living are far more important than having a high income. In fact most millionaires in the book didn't have annual incomes exceeding one hundred thousand . Many made appreciably less than that. They just knew what to do with what they made.
IMO if your investment earnings aren't equal to your annual earnings by the time you are 40-45, you have made some poor investment choices. Who wants to work until they are 65 or 70?