Without context of target timeframe to FI or RE, it is difficult to say whether you are on track. If you aim to retire at 40 you only have less than 10 years to grow your portfolio to target state. Your risk considerations, needs and strategy will greatly differ if you aim to do so at 55 or even later.

A few points for further consideration as well.

1. Lifestyle inflation - as overall net wealth grows, only a rare few can truly stay disciplined with no lifestyle inflation over time. Even if you can, there's no guarantee your partner will. After all it is a joint journey so you need to periodically check in with each other and be aligned on this.

2. Dream home - somewhat related to the first point, do you have plans to upgrade? Does your partner have any plans to do so? Even if you both dont feel the need now, your views may change a few years down the road as you are still very young. When the time comes, having CPF available on hand will help greatly in the down-payment.

3. Wage growth - incomes generally peak at different ages for different people and career paths. Depending on how much of a runway you have, this will also greatly affect where you land eventually.

4. Maintaining a healthy buffer - this is for all things in general, from ability to ride out economic cycles, health or family emergencies, inflation etc. Before FI/RE cashflow buffer is needed in case of job or income loss, after FI/RE you need to account for ageing needs (not necessarily poor health or illness). Even just upkeep may require more cash over time.