There is always one who writes soap and water and I look 20 years younger.
Agreed, these threads always bring out the competitive soap and water people who look down on anyone who spends money on skincare. That's great if soap and water works for you, but why the tone of superiority if someone chooses to do it differently?
I'm late 20s and my morning routine is:
Cream cleanser
AHA/BHA exfoliator (I alternate between the two, some days I skip this, it depends what I feel like my skin needs)
Eye cream
Vitamine C serum
Niacinamide serum
Moisturiser
SPF
OP your routine looks good, but there are a couple of things I would consider changing if I were in your shoes. I personally never wash my face in the shower because I have the water too hot, and because if you wash your face afterwards then you can be sure that no residue from shampoo etc. is on your face. That's mostly a personal choice though.
I would also consider adding a vitamin C serum in for brightness and to help create an even skin tone, and I would definitely start using SPF. Especially if you use anything like a retinoid at night as that makes your skin more sensitive to the sun. UVA rays can penetrate clouds and glass, so even if it's cloudy or you are inside all day you are probably still getting more exposure than you think.
I would recommend Caroline Hiron's blog, she does cheat sheets which are really useful for getting the basics.
Also I'm crap at makeup so need good skin. Same 