As Ben says, that's a great achievement - kudos!

I generally agree with your points, but will push back on two. Not because they're terrible, but because you can do better by doing something that may seem counter-intuitive.

First, using the right active funds is better than using even low-cost index funds. You can see the details here: https://medium.com/alpha-beta-blog/warren-buffet-recommends-index-investing-really-best-for-your-money-a52820c20f59.

Second, buying a new car and driving it until it's 10 years old is actually cheaper on average than buying it when it's a year old, 2 years old, 3, 4, etc. and keeping it until it's 10 years old. Here's the data to prove it: https://themakingofamillionaire.com/can-buying-your-next-car-new-actually-save-you-money-6803b8774fe8.