This sounds like me when I was putting in 3-5% in my TSP. After this brother gave me some advice, I moved it up to 6%, and thought I was doing something, since I already felt like I was struggling. The brother didn't tell me how much I really needed to put away, because he probably thought it would have sent me into some kinda frenzy. Down inside, I knew I needed to put away a lot more, but I couldn't get myself to ask exactly how much. But when I think back, perhaps I did spend a little too much on clothes. Plus I had two cars, although one was paid off. But I was still paying insurance on it. I also only had two years left on my car note. I still have that car, although it's now my second car. My point is, I could have been putting a lot more into my TSP, especially when that new car was about to be paid off.
But I was forced out of my job, and wound up getting an early pension, that converted into a regular pension years later. Because of this, I was no longer able to contribute to my TSP, and I didn't become one of those TSP, nest egg, millionaires like you're about to become. But I can't complain, after nearly wounding up homeless a year or two after I left that job. Plus I ended up in a larger home and larger yard, brand new, but I had to move South. If I had stayed on that job, although I would have been one of those nest egg millionaires, I don't think I would have been that by 55...maybe more like 62, or 67. Probably 67, because that's the year my house up there would have been finally paid off. Hold on, since I almost upsized, and started a new 30 year mortgage not long before they ran me out, I would have had a mortgage into I was somewhere in my 70's...smh.
At this point in my life, all more money will do for me, is get me a bigger house I don't need, a nicer car I don't need, and more clothes I don't need, and more trips to go on, that could be risky if I overdo it. I'm more concerned about my future health these days. Although I have good health insurance, I still put away most of my extra money.
Anyway, good to know you gonna be alright.