Hi everyone,

My wife (32F) and I (34M) live in Hyderabad and currently have no kids. Our goal is to retire as early as reasonably possible( in next 7 years) travel, and live a simple, peaceful life.

We are fairly asset-rich but, as I see it, quite equity-poor. I’d really appreciate some advice on how to structure our finances if FIRE is the goal.

Current monthly expenses

Around ₹1 lakh/month.

We currently have:

- Car loan EMI: ₹36K

- Home loan EMI: ₹57K

Investments / savings

Combined:

- Mutual funds: ₹10L

- Indian stocks: ₹10L

- US stocks (Vested): ₹35L

- ₹25L given to someone on interest, generating around ₹30K/month. We can ask for the principal back when needed.

We essentially started rebuilding our investments around 2 years ago. Before that, I had used most of my savings to purchase a home.

Real estate / assets

1. Home 1: ~₹1.3Cr value, ₹50L loan outstanding

2. Home 2: ~₹2.2Cr value, possession expected in ~1 year

3. Home 3: ~₹2.2Cr value, possession expected in ~1 year

4. Plot: ~₹60L

5. Farmland: ~₹40L

6. We also have a decent amount of gold jewellery.

We bought Homes 2 and 3 with one time payment in the same community because we got a good deal and had some money from selling our previous home. Our current plan is to sell Home 3 after possession.

Income

- Husband: ₹60L/year CTC

- Wife: ₹10L/year

My wife is intentionally not looking to switch jobs. Her current company/project is comfortable and gives her enough flexibility to take care of our family and her parents. So we are not looking at maximising household income at all costs.

Insurance

- Corporate health insurance: ₹10L coverage for both of us + my parents

- Wife also has separate health insurance: ₹5L base + top-up up to ₹50L

- Term insurance: Husband ₹4Cr, Wife ₹1Cr

My ₹4Cr term insurance will be completely paid off within the next year. I’m choosing to close it early rather than continue the monthly/annual payments.

My parents are completely dependent on me financially and don't have pensions, so this is also something we need to account for in our FIRE planning.

Our situation

I feel we are asset-rich but equity-poor.

A large portion of our net worth is tied up in real estate, while our financial/investable portfolio is relatively small.

My first question is:

How would you structure this if the objective was safe early retirement?

Should I gradually sell some of our real estate and move the proceeds into diversified equity/debt investments? If so, how would you approach the transition and what kind of asset allocation would you target?

Also, should I be treating the ₹25L earning interest as part of our FIRE corpus, or would you consider that too risky/concentrated?

Our expenses are currently only around ₹1L/month, but I obviously don't want to assume that this will remain constant forever. We also need to factor in my parents' expenses and healthcare.

Second question — children

Honestly, both of us are somewhat afraid of having a child.

We worry that having a kid would completely change our lifestyle and potentially push our FIRE timeline much further out, especially with the increasing cost of education, healthcare, etc.

We don't have a strong desire for a conventional lifestyle. Our dream is basically to retire early, travel around the world, and live peacefully. Neither of us has expensive habits or particularly large financial goals, and we're both quite comfortable adjusting our lifestyle.

So for people who are already FI/RE or are well on their way:

How did you account for the decision of having/not having children in your FIRE planning?

Are we being overly conservative about the financial impact of having a child, or is it reasonable to treat this as a major FIRE variable?

Would love to hear how people in India, particularly Hyderabad/India-based FIRE folks, would approach our situation.

Thanks!

Im 35M from BLR working in BigTech. Wife is 34F not working. We are planning to have a kid within the next 12-15months.

This is our current financial situation:

Salary: 5L/M

MFs: 55L

Gold bonds(SGB): 80L

RSUs: $600K (at current market price)(will vest completely in 2 more years)

Home Loan: 1cr

House in city: 2.5cr (paid around 1.5cr cash in parts over the years)

Liquid Cash: 42L (saving up for expenses post possession of house)

PF: 95L (heavily utilised VPF throughout my career)

We bought a premium house 3.5 years ago and are slated to get possession by end of this year. Living in rent due to that(hence a higher monthly expense). Paying for the house did deplete a lot of my liquid cash hence the lower savings.

Our current monthly expense is around 2.5-3L with 1L going towards home loan. I take care of both my family and my in-laws in terms of monthly expenses and medicare so spend around 50K monthly on that.

Have currently paused my SIPs since the possession of the house is coming closer and I want to hold on to cash.

My question: We plan to start a family and have one kid - my job is pretty stressfull and not sure how much longer I can continue this. Assuming the current expenses do not change and a kid joins our family next year, how much should I comfortably have saved up in-order to maintain the lifestyle and setup the best possible future for the kid without holding an active job?

EDIT: I have no lumpsum inheritance in the forseeable future.

I’m 26, currently single, and getting married next year. My partner and I will be living in Bangalore, and we’re planning to be a DINK couple.

I run my own business, and here’s the problem: I genuinely love my work. I just hate working for money.

I’m exhausted from constantly thinking about money, expenses, whether I’m earning enough, whether I’ll have enough clients, whether I should be working more, etc. I’m at the point where I’m seriously considering stepping away from the whole thing for a while.

Here’s my current financial situation:

~₹97 lakh in mutual funds
Of this, ~₹18–19 lakh is in arbitrage/liquid funds
The rest is a mix of direct and regular mutual funds
Some of the regular funds were started by my dad, and he still makes a small monthly contribution, so I haven’t stopped those

~₹20 lakh in direct stocks
The stocks have honestly been disappointing, with returns of only around 3%
I’m not particularly worried about maximizing the stock returns at this point. I’m okay holding them or eventually taking the money out, even if I mostly preserve the principal

I also have a ₹5 lakh FD, but I’m not counting this toward my FIRE corpus because I’ll use it next year to set up our home

So that’s roughly ₹1.17 crore invested, excluding the FD.

My current individual expenses are around ₹50,000/month if I want to live comfortably in Bangalore.

After marriage, our combined expenses should be around ₹70,000/month, including rent and everything.

My shard would be 35K, rest 15 I will use for my personal exoenss

My partner has a corporate job and will continue working, but I do not want to build my financial plan around his income. I want to know whether I am financially independent.

We don’t own a house.

We also don’t plan to have children, at least not for the foreseeable future. We want to travel and enjoy our lives, and realistically we’re leaning strongly toward being childfree.

Neither of our parents is financially dependent on us.

There’s also a possibility that I may receive an inheritance in the future, but I’m deliberately not counting it at all because I don’t want my FIRE plan to depend on something that hasn’t happened yet.

Similarly, I’m not counting any gold/assets I may receive at my wedding.

Now, the actual dilemma.

I’m seriously considering taking six months completely off.

No trying to grow the business. No chasing clients. No worrying about monetization. Just… stopping.
But another part of me is thinking:

Am I actually in a position where I could just… stop working for money altogether?

Maybe lean FIRE?
Maybe full FIRE?
Maybe I could take a long break, figure out what I actually want to do, and then only work on things that I genuinely enjoy rather than things that make money.

I don’t need a luxurious lifestyle. I don’t want to own five houses or drive expensive cars. I want a comfortable life, travel, spend time with people I love, and have the freedom to work because I want to, not because I have to.

And honestly, I think that’s the part I’m struggling with most.

I have spent years building this mindset around earning, growing, achieving, and making money. Now that I have some savings, I’m realizing that I don’t actually want more and more money. I want freedom.

So, Reddit, what would you do if you were in my position?
Is ~₹1.17 crore enough to seriously consider a long break at 26, given my expenses?

Would you consider this Lean FIRE, Coast FIRE, or nowhere close to FIRE?

How would you structure the ₹1.17 crore if your primary goal was financial independence rather than maximizing returns?

And most importantly, would you take the six-month break?

I would really appreciate perspectives from people who have actually gone through FIRE, especially in India. I’m less interested in “you should earn more” and more interested in understanding whether I already have enough to buy myself some freedom.

I’m 47M, my spouse is 42, and we have a child who has just started the first semester of a BTech in Computer Science.

I’m trying to assess how close I really am to financial independence. I would particularly appreciate feedback from people who have already FIRE’d or are genuinely close to it.

Current financial position

• PF: ₹90 lakh
• Gratuity: ₹10 lakh
• Direct equity: ₹1.3 crore
• Small plot of land in a good location: ~₹40 lakh
• Gold jewellery: ~₹20–25 lakh
• Rental income: ₹22,000/month
• Own our house in a Tier-2 city
• No loans or EMIs

So, excluding our primary residence, I have roughly ₹2.9–3.0 crore in financial/other assets, although a significant portion isn't necessarily something I would want to count as immediately investable FIRE corpus.

Monthly expenses

Our current household expenditure is around ₹1 lakh/month.

This includes groceries, utilities, communication, regular household expenses, etc., as well as ₹10,000/month pocket money for my son.

My mother lives with us and receives a pension of approximately ₹33,000/month. That money is untouched and kept separately for her future healthcare/emergency needs, so I don't consider it part of my FIRE calculations.

We don't have an outstanding home or car loan.

Income and son's education

My current take-home salary is approximately ₹1.6 lakh/month, excluding a quarterly bonus averaging around ₹50,000.

I currently have approximately ₹30,000/month going toward VPF.

My son's BTech education and hostel will cost approximately ₹4.5 lakh/year. The first semester has already been paid, so I need to fund roughly the remaining 3.5 years.

My intention is to fund this from my salary rather than touching my investments.

Healthcare

I currently have corporate health insurance with fairly high hospitalization coverage covering me, my spouse, my mother, my father-in-law and my son.

The premium is around ₹45,000/year.

If I leave my job/VRS, my intention is to continue equivalent coverage independently, which I estimate would cost around ₹65,000/year.

Why I'm thinking about FIRE now

The biggest reason I'm considering this seriously is AI and the direction of the IT industry.

I'm in IT, and I can already see parts of my work becoming increasingly automated. My dependency on my current job has been reducing, and honestly, I don't see myself wanting to remain in IT for more than another 6 months.

This isn't really a case of "I hate my job and want to quit tomorrow." It's more that I increasingly feel that I should have the financial freedom to walk away before the decision is made for me by the industry.

At the same time, I don't want to make an emotional decision and then discover that I retired too early.

What I'm trying to figure out

Given my age, expenses, assets, son's remaining education, healthcare requirements and rental income:

Am I actually in a position where I could leave IT within the next 6–12 months?

Or am I significantly underestimating the risks and should continue working for another 2–5 years?

A few specific things I'd really appreciate brutally honest opinions on:

1. What would you consider my actual FIRE corpus? Would you count PF, gratuity, land and gold, or only liquid/investable assets?
2. Is ₹1 lakh/month a realistic FIRE expense assumption for a family of three in a Tier-2 Indian city, or should I build in a much larger buffer?
3. How would you account for the remaining 3.5 years of my son's education?
4. How much should I realistically keep aside for healthcare/emergencies before considering myself FI?
5. Given that I already have ₹22K/month rental income, how much does that change the FIRE math?
6. Would you personally consider leaving a relatively well-paying IT job at 47 with this financial position?
7. If you were in my position, what would your next 12 months look like?

I'm not looking for validation to quit. In fact, I'd prefer someone to point out the holes in my plan.

Please be brutally honest. Especially interested in hearing from people in India who have already FIRE'd or are within a year or two of doing so.

We're both living abroad and earning close to 70 lacs inr post tax , our Financials look like so

Indian MF - 2 Cr

US stocks - 40 l

ULIP - 50 l

FD - 50 l

Jewelry - 20 l which i wouldn't consider as investment

A total of about 3.5 crores,

We want to come back to blore (hometown) in about 5 years and want to live a reasonably comfortable life

May need to rent a place when we return and no other commitments as of now ,

Do you think 7 crores(projected) would be a decent amount to retire in bangalore by 2030 ?

Hi everyone,

I am 27M from Delhi currently in a govt job in tier 2 city . My monthly income comes around to be 1.10-1.3 L including some variable allowances . My portfolio is gross 25L . I am earning since age of 23, started with a big 4 company. I am bachelor as of now .

My current corpus -

Mutual funds - 20 k per month since last 2 yrs
FD- 6 lakhs
NPS - 4-5 lakhs ( I want guidance on this also where to invest )
Rest all is idle

I genuinely want to know how to invest aggressively .

I am preparing for few more govt exams where my salary would grow 1.5x if i clear . I know this is less salary to plan fire within next 10 yrs though salary will increase after 1.5 yrs to a good extent . I want to know at present how should i plan in a best way

37M, 36F, one 7-year-old kid. We’ve reached approximately 25× our annual expenses, and I’m looking for some brutally honest feedback from the FIRE community.

Both of us work in IT and are WFH from a tier-2 city, living with my parents. We only need to visit the office around 3 days a month for now.

Income & expenses:

Combined in-hand salary: ₹3.5L/month

Monthly expenses: ~₹1L

Current monthly investments: MF sip : ₹1.73L/month

Chits: ₹50K/month

EPF contribution: ₹47K/month

Current net worth: ~₹3 Cr

Equity — shares + mutual funds + Gold ETF: ₹1.15 Cr

Debt — EPF, FD, P2P lending, NPS, savings account: ₹1.30 Cr

Real estate: ₹55L

We already own our house in a tier-2 city, so there is no rent or home-purchase liability.

Based on our current expenses, we have reached approximately 25× our annual expenses — the traditional FIRE benchmark.

The problem is that I don't feel financially free.

The last 6 months at my job have been extremely stressful. At the same time, with AI advancing rapidly, I can see parts of my work becoming increasingly automated. My dependency on my current job has already been reducing, and honestly, I don't see myself staying in IT for more than another 6 months.

My wife is also considering working for another year, but neither of us is particularly excited about continuing the corporate grind.

There is another factor: my father's business.

I currently help him with the business, and things have been going well so far and profits are on par with my salary. However, competition is increasing and the business has been getting tougher month by month, so there is uncertainty there as well. My father also earns around ₹75K/month from rental income, and my parents are financially independent and don't depend on me.

The biggest thing stopping me from pulling the trigger is my child's future expenses — especially education and potentially marriage.

On paper, 25× says FIRE.

Emotionally, I'm not convinced.

So I'm stuck between two options:

1. Upskill and look for another software job, potentially giving myself another 2–3 years of income and building a much larger safety cushion to cover kids education expense

2. Quit IT, accept that I've reached FIRE, and spend my time helping with my father's business / pursuing other things.

I know 25× isn't necessarily enough if there are large future expenses outside the current ₹1L/month lifestyle, especially with a 7-year-old child.

So I'm looking for brutally honest feedback, particularly from people who have actually FIRE'd or are close to it.

Would you quit at this point, or would you continue working for another few years purely for the additional safety margin?

What am I underestimating?

Note : Edited my emotions with help of AI

I’ve recently reached a ₹1 Cr net worth at 27.

I’m a software engineer by profession, and most of my net worth is invested in mutual funds, FDs, and EPF.

I know the first question many of you will have is: how did you reach ₹1 Cr at this age?

I work at a FAANG-equivalent company and, alongside my job, I had also been freelancing. I’ve essentially been working 7 days a week for the last 4–5 years.
I’ve now stopped freelancing because I just can’t keep doing it anymore.

Honestly, I’m tired.

Tired of the constant pressure of deadlines, performance evaluations, difficult work, and the constant fear of layoffs and uncertainty.

I want to retire and live a peaceful life in a tier-2/3 city. I also plan to remain single and don’t intend to get married.

So, my question is:
Is it realistically possible for me to retire now with ₹1 Cr and live a simple, peaceful life?

I am 38 married with a kid. Wife is earning well and saves well, around 1 lakh per month. She doesn't intend to bear household expenses though. Only some lifestyle expenses for herself.

I quit recently due to toxic work culture after I switched last year.

Both my parents are alive but they live in my hometown. They have their own savings. They keep their money etc separate and I like it that way.

I live in a tier 2 city (state capital). My monthly family expenses are 1 lakh. This covers everything. Expenses are not going to rise for next 10-12 years unless some major tragedy happens.

My savings -

1. PPF+NPS+EPF+FD - 30 L

2. Stocks and MF - 50 L

3. Gold (coins and pieces) - 15 L (not including wife's anything)

4. Property - 1 flat worth 1 crore in hometown

5. Share from ancestral stuff - 50L (might not get as wife wants to buy house in current city and this money will be used as down payment)

My last salary was 1.5 lakh from which I saved 50k approx every month apart from forced savings like epf ppf nps etc.

I have a side hustle which averages 50k per month income which I can do long term.

My questions -

1. Can a person in my situation even think of retirement?

2. Too many unexpected events can happen in life, how do people take care of them? Insurance?

3. Considering I have so many liabilities & uncertainties, doing lots of insurances like life, health and maybe some others, should I build a large corpus and set it aside instead?

I’m looking for perspective from people who are already financially independent or are close to the ₹10–15Cr FIRE range.
My wife and I have built a combined financial corpus of ₹4Cr+.
I want to acknowledge upfront that this is very much a joint achievement. Reaching this point wouldn’t have been realistically possible through my income alone. My wife has contributed significantly to both our wealth creation and our ability to maintain a high savings/investment rate.
Current portfolio
₹1.78Cr — Mutual funds
₹64L — Indian equities
₹41L — Foreign/US equities
₹80L — Debt + FD + cash
₹14L — NPS
₹44L — Gold
Current investing
Our combined household investment is approximately ₹6L/month, or roughly ₹72L/year.
This includes investments across mutual funds, Indian equities, US stocks, NPS and other long-term savings.
We also receive annual bonus/RSU compensation, which we generally intend to deploy toward long-term wealth creation.
FIRE goal
Our primary goal is to reach approximately ₹10–12Cr of financial assets and make employment optional.
At a 4% withdrawal framework:
₹10Cr → ~₹3.33L/month
₹12Cr → ~₹4L/month
₹15Cr → ~₹5L/month
The longer-term objective is therefore to reach a point where we can generate roughly ₹3–5L/month through SWP/SWR or another sustainable withdrawal strategy, rather than depending entirely on employment income.
We don’t necessarily want to stop working completely. The goal is to reach a point where work becomes optional rather than financially necessary.
What we’re trying to figure out
For people who are already FIRE’d or are close to ₹10–15Cr:
Is ₹10–12Cr a reasonable FIRE target in India if the objective is roughly ₹3–4L/month of sustainable withdrawals?
Would you target ₹12Cr or push toward ₹15Cr for a ₹5L/month withdrawal target?
Given our current ~₹6L/month investment rate, would you continue aggressively investing in equity for the next 5–7 years, or gradually increase the debt allocation as the corpus grows?
How would you structure the portfolio once it crosses:
₹5Cr
₹7.5Cr
₹10Cr
₹12Cr
For someone targeting a long-term ₹3–5L/month SWP, would you use a traditional 4% withdrawal approach, a lower 3–3.5% SWR, or a dynamic withdrawal strategy?
How much would you keep in debt/FD/cash as a retirement bucket before actually starting SWP?
Would you continue working beyond ₹10–12Cr and allow the portfolio to compound toward ₹15Cr, or start gradually shifting toward a more balanced portfolio and optional work?
One thing we’re particularly interested in
We’re currently investing around ₹6L/month into our portfolio.
So we’re wondering whether the next few years are essentially the accumulation/compounding phase, and whether the strategy should simply be:
Keep earning → invest aggressively → reach ₹7.5–10Cr → progressively reduce risk → reach ₹12–15Cr → transition to optional work.
Would love to hear from people who have actually crossed ₹5Cr/₹10Cr and can share what they would do differently if they were in our position today.
We’re particularly interested in real-world FIRE experience rather than generic “invest in index funds and stay invested” advice.

MF: 92L
Equities: 15L
Debt Funds: 1.7cr
RSUs: 1.4cr
Debt receivable: 50L (loaned to relatives at 12%)
no house, no car.

Initially I wanted to Lean fire after 4-5 years, but after careful thought, I figured it might not be feasible from both financial and family viewpoints and decided to push it. My wife is adamnt that she wants our own house before we relax financially.

So now my main goal is to achieve financial Independence and move to a more relaxing job if possible. I dont want to touch my MF portfolio.

Couple of options are
- use RSUs+DebtFunds to buy the dream home, continue saving in MFs as long as possible
- use RSUs+debtFunds + receivable debt to buy a rental property to get ~2L per month as rent which will delay the house purchase to further down the line, probably 2-3 years where I can accumalate atleast 50% downpayment.

I am leaning towards 2nd option even though my Fire gets pushed a lot because it gives me a sense of financial independence much early.

What are the Sub's thoughts on my plan?

36F Married and have a 1.5 year old son | ₹3.5 crore portfolio | Planning for FIRE in ~10 years — looking for strategy feedback

Current portfolio

₹65L — Indian equities (~40% small-cap, 30% each in mid and large)

₹85L — Mutual funds (~55% small-cap, rest in mid-cap/flexi-cap)

₹5L — PF

₹18L — Parked in Sbi Max Gain home loan account (also our emergency corpus)

₹5L — NPS

Other Assets-

₹85L — Flat in tier 1 city, rented out because moved cities and not planning to move back because long term plan is to move to smaller city and live peacefully

₹15L — Land plot in small town (in hometown) barely appreciating - planning to sell and invest in equity

₹1 crore — includes gold/silver etf, wedding jewelry and inherited jewelry

Income & savings

Currently I took break for child care but planning to get back soon and add towards goal aggressively, before break I was earning 2L a month

Husband’s Take-home: ~₹3L/month

Investments: ~₹1L/month

Expenses: ~1.8L/month including home loan emi. Principle due - 30L

Health loan - covered in corporate and additional family floater plan

Term loan - we both have a sufficient cover

Upcoming goals - longer term we have child education, wedding and ageing parents to take care of

My long-term goal is FIRE, ideally within ~6 years.

I don't necessarily want to stop working completely, but I'd like to reach a point where working becomes optional/ less hectic and give more time to family and traveling

For people already on the FIRE path:

Would you change the equity market cap/debt allocation significantly at this stage?

Given my current savings rate, what would you focus on over the next 10 years to make FIRE realistic?

Looking for strategy/experience-based feedback, particularly from people who have already reached or are close to FIRE.

29M | ₹1.12Cr portfolio | Planning for FIRE in ~6 years — looking for strategy feedback

I'm 29M and currently have a net worth of roughly ₹1.12Cr.

Current portfolio

• ₹56L — Indian equities (~90% small-cap)
• ₹30L — Mutual funds (~70% small-cap, 30% mid-cap/flexi-cap)
• ₹13L — PF
• ₹6L — Cash
• ₹4L — FD
• ₹3L — Gold/jewellery

Income & savings

• Take-home: ~₹2.9L/month (~₹35L/year)
• Investments: ~₹2.4L/month (~₹29L/year)
• Expenses: ~₹53.5K/month (~₹6.4L/year)

Upcoming goals

• House: ₹50–70L in 2–3 years, likely using a loan
• Marriage: ~₹15L in ~2 years

My long-term goal is FIRE, ideally within ~6 years. I don't necessarily want to stop working completely, but I'd like to reach a point where working becomes optional.

For people already on the FIRE path:

1. Would you change the equity/debt allocation significantly at this stage?
2. How would you separate the house + marriage corpus from the FIRE corpus?
3. Given my current savings rate, what would you focus on over the next 5–6 years to make FIRE realistic?

Looking for strategy/experience-based feedback, particularly from people who have already reached or are close to FIRE.

Note: My retirement plan is to move back to a Tier-3 city in my hometown, so my post-retirement expenses should remain relatively low.

Age 37 M, single,will die single.

Mutual funds : 31 lacs

PPF:26 lacs

EPFO:15 lacs

FD: 68 lacs

House : 1 bhk

2.24 lacs per month current salary.

Monthly expenditure: 50k

No dependents. Parents get monthly pension of 50k from govt.

Is 6 cr a enough to be considered financially free ... I may continue working in some normal tension free job

House own
1 kid
Tier 1 city .
10 lakh expense p/a

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Hi , i am currently working in it company and drawing a income of 1.5 lakhs / month. I have my own house in tier 2 city and company is near by my house . For the last 8-9 years , i am doing freelancing in bug bounties with income of 30 lakhs / year . I have purchased 6 plots of total worth 2 crores apart from my individual house of 1.5 crores. I have ancestral property worth 2 crores in village. I have invested 10 lakhs in stocks and started doing sip of 50k from 2024 only . Ppf - 10 lakhs, pf - 60 lakhs, fd - 4 lakhs , nps - 4 lakhs, bond - 5 lakhs. I want to retire early at 45 and start a own company based on cyber security. What will be corpus required considering saving 25 lakhs per year?

Hope this Beatles title grabbed some attention on this sub that mostly talks about numbers.

I always see these influencers (mostly tech guys) who are working remotely somewhere in the mountains and have probably retired over there for a good phase of their lives.

I also see some DINK and nuclear families that have chosen to achieve FIRE, moving to a tier 2 city and starting their influencing channels and have left the corporate world.

However what I haven't seen are single women making this content or talking or discussing about it. As 32F I have planned for Lean FIRE but I wonder if there is something I am missing, something I haven't quite considered.

So all the ladies out there or people who have achieved FIRE, pls share advice or insights as to how achieving FIRE may be different for a single woman. I understand there is a safety concern but if you were to plan FIRE in your tier 2 hometown?

https://preview.redd.it/e243dsubqvjh1.jpg?width=1320&format=pjpg&auto=webp&s=a75daca752f36001f46998f9e944951aa58063ed

I am 35 year old and have been investing since 2022 with the goal of building a long term financial security.
Posting this mainly to get some honest feedback and motivation from people who are investing for longer.
I currently don't own a house and staying in rent. I own a car and bike. Additionally, I have one personal loan of 95k.

Invested Total: 26.07L
Current Total:31.13L

https://preview.redd.it/lpjesy8dqvjh1.png?width=892&format=png&auto=webp&s=88eb6a0ca5762935632a8058bbd9e12438b26b3a

I know there is some overlap especially among mid and small cap mutual funds. I am going to continue investing only in one small cap, midcap, flexi, and one large eventually.

Equities: Invested Total: 5.50L and Current Total: 5.92L.

https://preview.redd.it/i57amdneqvjh1.png?width=987&format=png&auto=webp&s=ab9af086efc48d82c060405b433e828ac22c502c

I have exited from RBL Bank and Suzlon and moved those stock values to HDFC bank, Infosys, BEL and PFC.

Overall Financial Position:
Mutual Funds - 31.4L
Cash in hand - 12L (6L emergency fund + 6L for opportunity cash for future investments)
Equities - 5.95L
NPS - 1.75L
EPF - 8.96L (Including pension share).
SSY - 7.5L current balance.
Personal loan outstanding - 95k.

Current Target after my monthly expenses.

75,000/month --> Mutual funds + equity.
12,500/month --> SSY.
5,000/month --> NPS.
30,000/month --> EPF. (Both employee + (employer + pension))
10,000/month --> Savings for opportunity cash.

What I am looking for?
At 35, am I reasonably on track?
A lot of people around me believe buying a house should be priority. According to them, I can convert my rent as EMI and buy a house. But, I am not convinced that taking a large home loan simply because "rent is wasted money" is necessarily the best financial decision.

I would like to hear from people who chose to rent and invest instead of buying a house.

I am not looking for stock/mutual fund tips. I am more interested in feedback on the overall portfolio, allocations, Rent vs buying a house, and any mistakes or risks I may be overlooking.

Would appreciate brutally honest feedback from people who have been through this stage already.

Edit:
Take home salary 2,15,000 per month. (Including 30k EPF)
Dependents: Wife and Daughter.
Monthly expenses - 50k per month. (Excluding annual school fee for daughter).