Far from Fire at 60LPA

I've seen lot of people achieving FIRE at <35 with around salary of 50LPA. Need advice on what went wrong and how can I optimise to achieve FIRE I'm 31M married with kid, earning 60LPA in Bangalore

My portfolio MF - 41L EPF - 15L NPS - 6L US Stocks - 2L Crypto - 4L Indian Stocks - 4L Cash - 51L (parked in home loan accounts)

Liabilities Home Loan EMI 1 - 60k (45L pending) Home loan EMI 2 - 1.1L (1.4Cr pending)

Expenses Rent - 60k Utilities - 10k Groceries - 15k Shopping - 10k Travel - 20k Misc - 10k SIP - 81k

Thanks in advance