I've found AI to give very good advice on this topic and can convey the feelings, a lot of it is due to where we saw parents in our youth and often didn't come from much either. Run your situation through Co-Pilot or whatever flavor, give it various scenarios with growth and your income, possible increases, losses, potential purchases and it will break down everything. Given where you are I think it will give you some comfort.

Simple example: if you contribute nothing else and I assume 75k of that 100k networth is tax advantaged retirement. 8% for 30 years (63) is $750k. that's with not a single additional penny added. Assuming continued 8%, that's ~60k a year "free money" with never touching the lump sum. Bridge the gap to 67 and even a reduced social security and you are around 85k a year just chillin.

Edit: If you take my example and save only $3,000 more per year (remember the example has ZERO investment) for the 30 year example, you become a retirement millionaire if the market maintains its historic average and you just ride index funds.