41 and married, living in the Bay Area. We were both raised middle class (her) and lower middle class (me in the Midwest).

I feel like the American Dream has happened this far from where I came from.

Roughly 2.2M Net Worth currently, due to a lot of hard work and some housing luck.

Currently have $600k equity in our primary, and plan on continuing to pay on it over the next 10-15 years and then sell and move to our vacation home ($300k equity). $460k and 20 years left on 3.25% mortgage on the primary and $60k and 5 years left on vacation.

We have a vacation home in the Sierra foothills that we plan on moving into when retired.

Combined 401k’s is around $750k and I own half of two commercial buildings currently with equity of $450k for my share. This is a 20 year at 4% with 15 years left.

We combine for around $300k as I’m in sales. Living in the Bay, we aren’t saving anything in taxable accounts but maxing 401k’s.

We will probably inherit $2M-$3M maybe 10-15 years down the line.

With not much in my taxable account, what’s my best strategy to retire in 10 years?