I am 35 and am in a similar situation but I also live car-free in an urban downtown area. It is great because not having a house or a car is a great filter against all the superficial people who do look down on people who don't have those things against wasting my valuable time and energy.
I live in a 1-bedroom 1,000 square foot apartment with the grocery store across the street. I built a lifestyle where I shop for fresh groceries everyday without having to look at the prices. I also sleep as much as I want, 9-10 hours a night, nap as needed, can train 100 miles a week, and fit remote work around my hobbies (instead of fitting hobbies around my work). I have no desire to be tied down to a house, own property, etc.
This to me is the true American dream. Not owning property means I can leave tomorrow without any commitments. I've had a stock portfolio since 2009 at the bottom of the great recession. Nothing sexy, just long-term compounding interest in blue chip stock indices.
Lots of people who are into the club scene or who believe in grinding 24/7 to buy cars, houses, girls, etc. hate me; and others who subscribe to that lifestyle I think are jealous.
I don't attribute my success to any big secrets. I am conscious enough to know that it was a mix of skill, consistency, AND luck to get to where I'm at.
I think the ability to focus without distractions for 4 to 6 hours a day and eliminate distractions against AI, doomscrolling, social media, gossip, tv, etc. will increasingly separate the winners and losers in society.