Thats pretty much the path that I am on now. I have the mortgage which is essential but apart from that no debt and never had a credit card.
I have my own house which is only gaining value. I work in a decent job which i can save from. My pension has tax breaks. And most importantly i am working on steemit as a pastime to build up my crypto portfolio so that i can retire nice and early to play bad golf.

It sounds like a plan.