Can you save just a little bit more every month?
If you have reached financial security, you need to start building up some wealth. I strongly suggest that you have an initial goal of $1,000 in savings and then quickly build it up to $5,000 as a rainy day fund.
Here is a very simple way for you to do it.
In the first month, save 1% of your take home pay. So if your take home is $2,000, save $20. The next month save 2%, the following month 3% (or $60). By the time you are at month 20, you are saving 20% of your salary or $400 per month.
By doing this, you will become more slowly accustomed over time to save more and spend less.