She likes that I don't waste money on useless shit like everyone else but rather save such that I can finance studies at Stanford or some other good school for our future kids, if they desire to do so.

Having kids will mean I can't retire in 5 years but maybe in 15 years. In any case I have a heads up compared to everyone else. Having tons of cash on hand and little expenses gives you sort of super-freedoms other people don't have.