[aynsof]

Firstly, congratulations for escaping your background, getting through college, and making your way into tech.

Secondly, while I admire the drive never to want to retire because you'd be bored, I think it's a huge power-up to be able to have what Nassim Taleb calls f-you money (enough money to be able to tell your boss, "F-you, I'm leaving" if they make one too many unreasonable requests. For me, having something approximating that (initially just six months' worth of expenses in cash) has allowed me to make better decisions, take some risks which resulted in good payoffs, and just generally have more fun. I'd highly recommend aiming for this rather than just accepting that you'll be working forever.

So with that said I'm wondering if you can go into more detail on your financial situation. If you work in tech in my country, I'd suggest it's possible for most people in tech to earn 100k+ if they're not utterly incompetent. (I realise I might be in a bubble here, but where I am and what I'm seeing this is reasonable.) If you're on that salary, a savings rate of 50+% is completely achievable. To have a savings rate of 5-10% while working in tech suggests to me that something's off. Are you able to share a bit more info on that? Is it the repayments on your debt?