1) have (fingers crossed here) more, allocated 55/45 equity/fixed, plus a 3 year barebones cash fund (lately I don't include cash in my stated AA because it earns next to nothing...I expect to live off of the cash throw-off from dividends and bond interest-mostly from munis).
2) still working, age 48, punch out anticipated at age 51.
3) Wish I would have had access to a 401k or IRA early in my career, that not being the case, I wish I would have known more about investing and saving. You know, they don't teach enough about this stuff in college. Dad taught me to save, but his idea of savings was a passbook acct, then CDs, both of which currently pay a pittance.
4) keep some cash on hand to take advantage of dips or downturns, as well as emergency fund. I didn't have much cash laying around so I relied only on my paycheck to DCA into the falling market...
Btw, if I were you, I would not take 100k on a 2m port. I don't think the port will last as long as you do, if you expect to reach 90. I always plan to 95 personally, because of DW's longevity genetics. On a 2m port, I would not take more than 80k (ESRBob would suggest up to 86k). Even then, for the first years I would limit to 4% even if inflations said you should take more, or even 95% of prior year if the port actually went down. I would probably adjust my thinking when I began collecting SS, if applicable.
Good luck.
R