i suggest you find an excellent financial planner that can help you with this issue.
DH and i have used a financial planner since we were 25 (thats 20 years now).
the financial planner helps you with every aspect of your financial life and what ever goals you might have that need money to achieve.
we have now reached the threshold of having enough money to retire and everything else we put away is gravy.
we are far to young to retire and since we both enjoy what we do for a living and would continue to create our art even in our retirement years we've decided not to change a thing right now.
one day we might move to a different part of of the country but aside from that nothing would really change for us.