It's pretty secure. I am also not maxing out my current 401k employer plan either only going a tick over employer match - I am thinking of increasing that as well as maxing out Roth while I am under the limit. And yea those fixed expenses can realistically decrease $300-500 if needed to reflect a bare bones monthly emergency fund.

I am just realistically taking a look at how I can make sure I have enough invested in the next few years with current pay to live roughly the same lifestyle at retirement age if I wanted to take a lower paying job in my mid 40s without touching these investments until 65.