No, you are not set for life and never will be. You might attain financial independence but that does not mean life will go easy on you. The demons will just be higher up on Maslow’s pyramid. It is a video game with an infinite number of levels. Enjoying the game is just as important as moving through the levels. The journey is the reward.
“This” assumes things get easy after a certain goal or accomplishment. That is flawed. It never gets easy. In some ways, that is the point.
If it is not apparent as yet, let me re-emphasise: there is no “this.”