2.3 mil liquid nw (34f 35m)- Self reflection and plan for future

We come from a very middle class background, no inheritance. Both hubby and I have a masters degree and paid our own student loans. No crypto. Eventually increasing income in Finance and Fintech and some smart investments got us here. Current income is at 550kish ( bonuses fluctuate ). We have a toddler and no plans to have more kids. Live in a MCOL. Aiming for a 125k annual spend at retirement. Thought of sharing some self reflections and future plans here so we could gather some povs!

Self reflection and learnings from our journey :

-Markets will shock and surprise you . Stay the course . Keep dcaing confidently without trying to time the market and getting drowned in panic during downturns

-Agreed we haven’t experienced 2008-2009 but we have seen 2020,2022 and April 2025 etc

-We love traveling and never skimped there. We save but never live in extreme frugality. Live now and enjoy life too while pursuing FIRE goals

-Don’t let the daily portfolio ups and downs bother you ( look less often if they do). 20k up down daily used to hit me hard initially but with time I realized that’s 1% of my nw ( think losing 1$ out of 100$ from your wallet )

-Finally , do not compare with others.Be proud of your journey . Comparison is futile and jealousy is the most useless emotion

Plan for future :

-FIRE number is 4 million and we hope to get there in 7 years by age 42 if a prolonged recession doesn’t occur

-We will “mentally check out” from work at 40 irrespective of the number then . No need to be a star performer but ensure we can keep our job long enough to sail through the final leg of our journey. This would be the the FU mindset

-We have toyed with the idea of working coast fire style jobs after 40 but we will make more in 2-3 years at our current jobs than working coast style jobs for 6-7 years so quite quitting at 40 seems right and then see how long we can drag the charade

Please do share your experiences with quite quitting aka FU mindset at work. Did someone notice when you didn’t give a damn ?
Thanks for reading and all the best on your journeys🙂
Edit to fix formatting.