Ah, I think you’ve answered my question. You have no interest in investing to beat inflation or even modestly deflating your lifestyle. (You could be retired forever-more in Mexico on 10% of your income, even without ever investing in stocks.) You also seem to genuinely want to work until age 80.

I can’t relate to any of those, but I wish you the best of luck! 😄

If you ever feel like using those savings more wisely, you might want to check out https://mrmoneymustache.com or https://paulmerriman.com