Yes, if I can continue with my current savings rate, I should be done by my mid-late 30s (very early 30s now), with my passive investments fully covering my cos

Yes, if I can continue with my current savings rate, I should be done by my mid-late 30s (very early 30s now), with my passive investments fully covering my cost of living at least in Mediterranean Europe (where I'm originally from) or South East Asia (where my partner is from), both amazing places to live :-) Both my partner and I are not looking to have kids (we've thought about it for many years before reaching the conclusion) and we already have extended families with tons of kids, so from that point of view we feel there's nothing we're missing, it's a non-priority. For everything else, I'm not exactly wasting my life right now, I'm enjoying it even in a very high cost of living area: if you can deal with housing (and not having kids admittedly helps a lot since you can live in way smaller and cheaper places close to work), things are not that much more expensive than anywhere else, so I get a lot of experiences with good arbitrage :-)