Look at the prime directive in the right hand bar, it will tell you what to do the with the money.

You don't really give us any info about income vs expenditures so can't comment on how well your are doing. If your savings rate is 20%+, you probably are going to be ok presuming your expenditures are not ridiculously high. But again, without knowing specifics we can't say.

Why not put your info into a retirement calculator, and then figure out what you could live off with using the 4% withdrawal rule (use 3% if you want to be conservative).