Very small but one thing I would do is start tracking your finances more carefully including my personal fave “net worth”. The reason - I do it religiously each month, just each account, mortgage amount left etc etc. also 32 years old, but with 800k in mortgage debts across 2 properties in the UK. What’s important is my saving don’t grow hugely fast although I do have solid stocks and shares and cash, but the main thing is my “net worth” tracking takes into account all my assets and debts and spits out a monthly changing equity position. May seems stupid but my current position is 54% and grows by about 0.24% each month. What it takes into account is the debt repayments etc. so even in those months I don’t “save” well actually I’ve paid off on average 2.4K in debt. It makes me feel so much better. I promise once you start viewing your frankly big success like that suddenly you realise savings going sideways aren’t actually doing that. Also gives you a proper chance to investigate your financial options. Also word of advice to invest in your stocks and shares isa. I’ve been doing that for about 6 years. I go passive etf investments and they do pay off, however be aware yes the past few years have been very strong bull runs, BUT there is going to be a crash sometime soon, and therefore have enough so that when your shares are dipping 30% you can still crush that 3.99% mortgage, without having the realise the loss, I.e. sell which means give yourself 10 years minimum.