I think you're doing just fine, and for the sake of comparing if we tally on global income percentiles you're above and beyond many others.

As long as you're spending less than you earn and invest and/or save the rest to meet your short term, medium term, and longer term goals then you don't need more.

Whoop where I am is on there as well. However if you do some reading it does say they can raise rates in the middle of an agreement.

"Rate may increase as a result of a change in law that results in a direct, material increase in costs during the term of the contract."

I'm sure an increase will have to be inevitable right?