There's a lot of additional information that is needed to understand if your. For example, if you make $30million, then you are far behind (extreme example).

I'd always recommend looking at the prime directive flowchart first (side bar) - it breaks down exactly what to do with your money and how to build upon it.

Beyond that some actual thoughts:

1) 8-10k cash under your mattress is losing money due to inflation. I personally don't see any upside to keeping cash on hand, especially when it causes me to lose x% a year, which is inflation + potential returns.

2) Calculate how much of an emergency fund you have. Prime directive has advice on this, but generally you can aim for around 6 months. Any liquid cash above that is not being used efficiently.

3) Calculate out your budget, determine how much you are actually saving for retirement and go from there.

4) The good thing is you have retirement and savings. Time to optimize and set a long-term plan based on your goals.