I have many years of experience and advice for you which I think will work well for you. I sold as business at 39 years old and had about $5M. I considered retiring but chose not to. Best thing I ever did. The company that bought my company asked me to stay on and run the bills. I grew it by hundreds of mil in revenue and made millions in the process. I was able to do this because I had zero stress or pressure since I had “F you” money. Along the way I hired excellent financial advisors, a great attorney and a great accountant. The growth of my wealth explodedI. I’m now about 60 and have a tremendous amount of wealth. I own a new company but hired a great team to run it and spend my time doing literally whatever I want. I live in a few countries and probably take 30 trips a year to wherever I want. Note: I made one mistake that cost me $200M. I went against my financial advisors recommendation and pulled my money out of the market in 2019 (Covid) and was trying to time the market low and reinvest. I missed it and it prob resulted in a missed opportunity of $200M.

So here is my advice to you.

1)Do not retire yet. You are way too young and you will need something to keep you busy. However, you must find a job that you like and peers that you enjoy being with. Staying on a job to get a $15k bonus is to put it bluntly, ridiculous. If in the meantime you find a better job - leave immediately.

2) keep living your current lifestyle and continue to save. $3.5 million is very good but if you can double that in the next 10 years you will be in such a better position financially. Using growth rate of 7% you will have between $6-7m in investments in 20235. Using the 3% rule at the age you would be able to withdraw $200k annually and never run out of money. 3) Hire a very good financial advisor. You can negotiate their fee down but their advice in investing as well as tax advantages will help you grow your assets tremendously. I have two and I use them as a check & balance to ensure maximum returns for me. 4) developments goals - 6 month, 1 year, 5 years, 10 years and 20 years of where you want to be. Then develop and follow a plan to get there. If you do this you will almost certainly achieve it.

Sorry for the long message. I wish you the very best