You need investing advice more than career advice. After 10 years of work you should have much more than a three month cushion -
It sound like you have fallen into the trap of allowing your expenses to grow to consume all current income. That is going to be hard to reverse, and THAT is what you need some professional help with,
I totally agree.
I am more or less "retired", unless someone comes to me with exceedingly interesting work to do, I read, I paint, I draw, I write, I tinker, I vacation, I angel invest, I patent even more stuff, I spend time with smart people, I participate in interesting forums, and I learn more stuff, taking college courses if I have to, etc..
$4M in savings is more than enough to throw off the $200K+ a year (that's at only 5%) you are currently earning, and as long as you are conscious of cash flow, this just grows over time.
People who spend all they make are people who never had to eat Cream-O-Wheat with weevils in it, and live on Top Ramen, and Mac and Cheese, and Little Caesar's Pizza, when they were younger. Learn some freaking financial discipline. Come back and "Ask Slashdot" in another 10 years.