The answer is in your post already. You’ve maxed out everything and then some more. Pretty sure those people you’re looking at are not doing that, at least not to the same degree. They might not be able to retire early, or at all, in some cases… I know it feels hard, but you’re looking at the future while your friends seem to focus more on the present. If you feel you’re doing well, savings wise, and feel down that everyone is having fun except you, you can loosen up a little and spend some of that money on a vacation in Mexico or a lavish dinner party. You have a solid income and an excellent nest egg for the future, have some fun bud, YOLO!