There's many ways to do it, but as long as one is doing it then there's a solid and viable way forward.

What I get with you, is that you know what you spend (your outgoings) as you said you make more than you need, and that you save the rest. A solid strategy. Also the six-month reserve is a great idea as it brings a level of comfort, less stress, and that's a good thing.

Now...maybe we'll hear about that six year adventure at some stage...hmm? 😁 Only if you want to...I'm not trying to pry...much.