We're a married couple in our late 30s, no kids(not planned), one puppy.
We live in a quieter part of the country and over the past years our income has increased, but not our spending and as a consequence our savings have skyrocketed .
We're not massive high earners, we have a combined income of about £200k , maybe a bit more.
Pensions are maxed out (DB pensions) , S&S ISA in a low fee global ETF maxed out. £50k each in premium bonds.
I am planning early retirement at 55-58.
I started dividing the salary in pots to have more intentional spending : gifts , holidays, mortgage overpayment.
Allocated 12k total for holidays for the year.
We have a cleaner every fortnight.
We go out for dinners, gym, have a PT, hobbies, friends, family.
We buy what we need.
But even like this we end up with an extra 1-2k per month, sometimes more.
We're content. We're in a financial situation that I would have never dreamed 20 years ago. I don't want to spend money just for the sake of spending it.
Is there something major I am missing here that I should budget for? We both come from low income families and probably that has a role in the psychology of our finances.
EDIT: thank you for all the responses. All very uplifting and valuable and not belittling (you never know what to expect when posting on Reddit).