You have a nice situation, but my goal is mostly saving money for the future while living a decent life now (and admittedly I am minimalist so many things people care about don't bother me much). I have obviously higher cost of living expenses (living frugally I do it in $50k-$60k/y), but just my base salary is higher than your compensation, and with RSUs I get easily into ~400k/y total comp or more depending on the year, so basically I end up saving a lot for the future, which is really the metric I'm optimizing for. I'm in my very early 30s and already saved up ~1.5M liquid.
I don't own a house here in the Bay, I dump everything in very diversified index funds and some rentals out of state, since I'm not interested in staying in this place long term and play the million dollar mortgage roulette.
The day I call it quit, me and my partner (she does well too) can move to Austin TX, or anywhere else really (we're both immigrants with citizenships in really really cheap countries), with our fat liquid assets, and not having to worry about necessarily finding work in my 40s. At least that's my very optimistic plan, it might completely not turn out like this, or I might die tomorrow.
