I was lucky enough when I was just out of university to make so much money that I didn't go bankrupt before I realized my lifestyle was both unsustainable and going to lead me to an early grave. Been living like your list for many, many years now and am very happy.

"Vish" added invest in "health." I would specifically add "be physically active." Humans were not built to sit on a couch. Watch fewer hours on a screen per week and instead do a sport you like. The physical and mental advantages are huge and add up over time.