How to ensure financial independence in the long run

This was a very long-winded way of saying you don't have to stop working at 65 just because that's retirement age and financial independence only has a barrier of entry if you base your independence on your ability to achieve pure material wealth (because freedom of time isn't necessarily required via millions of dollars in assets).

So, since the game is rigged don't play the game as much. or while you got all this freetime why not work to un-rig the game.