That's unreasonable expectations for most, to be honest. I don't know if it's just because it's the HN bubble where everyone seems to be a USD millionaire and run their own successful startups, or if it's a general thing enabled by modern media trends (or something else entirely).
Regardless, it's perfectly possible to succeed at having a happy and fulfilling life without being financially independent. #2 can be achieved if one moves out of the more attractive areas where housing is often far cheaper than in the more hip areas. It may have consequences like an increased commute, or a lower salary, but again, having enough money to never having work isn't going to happen for most of us.
Regardless, it's perfectly possible to succeed at having a happy and fulfilling life without being financially independent. #2 can be achieved if one moves out of the more attractive areas where housing is often far cheaper than in the more hip areas. It may have consequences like an increased commute, or a lower salary, but again, having enough money to never having work isn't going to happen for most of us.