make a list of your bills from least to most expensive setup a brokerage account and invest in an s&p 500 etf, 8% return starting with your smallest bill, invest as much that 8% will pay for the bill, $100 bill, invest $1250, etc., it will not be paid for passively, in 12.5 years it will have paid for itself, principle invested effectively prepaid the bill but from then on now it's "free."  starting with the smallest you can start right away, get used to it, verify that it's working, have access to the principle invested the whole time so no loss if making your cost of living zero isn't for you. over time your cost of living gets lower to eventually zero, more money to maneuver, more options, move out, less stress. add up your total cost of living, how much you are able to invest and you have how long it will take. your levers to expedite are more hours, more pay, reduce cost, think of in terms of schooling, four years high school, four years college, now do four years nose to grind stone stacking bills for passive cost of living. not the only option but one way to go and look at it. be on a mission. or perhaps that only gets you half of bills paid for, can take advantage of that and now only work part time and bills paid for, or just more money to spend.
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