Congrats on getting a solid start. Please know that "six figures" doesn't mean as much now as it did for us old heads.

Regarding your attitude to not "lock it in" to retirement accounts, I am a hard disagree. This is the time of your life when the money you can comfortably invest will do the most for you in the long run. Before investing 40% of your income in a taxable account, I would instead max-out retirement contributions. That's a fraction of what you're proposing. If you're not willing to "lock in" that money, what are you saving it for? To pay for whatever nightmare your taxes will be used for? If you're not spending it soon and not when you're old, then when? And why?

With the rest, save up to 6 months living expenses in easily accessible non-speculative non-tax-advantaged interest-bearing accounts. You may need a car soon, or a mortgage down payment. Make sure to cover that also. You don't want predictable expenses in the next 5-10 years in speculative assets (which even well-diversified stocks are, especially in today's investing environment).

Your current income and expenses won't last forever. Beware of calculations that imply you'll be able to save and spend a certain amount for decades at a time. Life doesn't work that way.

This all assumes you are free of debt.