You can retire anytime, if that's the main question. Time to start posting in the post-FI forum, honestly. You have a money firehose going, investing in anything vaguely legit (read: not bitcoin or rubles) you want will work fine.
Sounds like you have much less of a handle on what you want for your life (and your kids), though. So I'd stop thinking about the money so much and think about bigger questions. Just the fact that you are already mid-30s and want but don't have kids is ringing alarm bells - if that's a priority, you need to make it a priority. Getting pregnant is not a slam dunk, especially mid-30s and on.
A small quibble, you don't "live for free" because you have income from real estate that pays about as much as your mortgage. I could dig ditches, or invest in bonds, or have rentals, or whatever, and the income is just income. You can choose to spend it on an expensive house, or bitcoins/rubles, or not spend it. Don't use this "wash" term, it's crap. Money is fungible.
To sum up: stop thinking about the damn money. You do not have a money problem. You have a WTF do I want from life problem.
-W