Help.me Fire

Hi Guys, I am M 33, working professional in IT, in tier1 city, with myself and my wife working, we just blessed with a girl.

I am new to this field and want your suggestions to manage my finances to get FI, here's my journey -

earns 2L a month just recent hike

wife also earns the same just recent hike

do not have a much savings as I bought a home in 2021 worth 50L, just regular emergency fund

Has term insurance worth 1 cr

recently bought a car as I think it was necessity we like to do lots of road trips

with little help of mine and lots of saving from my wife and lots of loan, we bought a shop worth 90L but its almost paying every EMI, this will be our passive income once the loans are paid off. Will get to our labilities later.

I invested in

PPF - 4L

MF - 2L

Stocks - 1L

PF - 3L

what we still left to pay -

own house loan - 16L

Car loan - 10L

shop loan - 35L

My goal is to get FI and save for my childs future education.

While writing so, I think we have lot in our plate as my wife is also looking to quit her job to get time for our childs as she is fed up of constant work she was doing since her mother passed away when she was kid, she will work more 2 to 3 years to pay off the shop loan and get rental income as stable money flow replacing her 50% of her salary income post 3 years.

any suggestions are welcome.