Where are you at right now on your financial independence journey? Could you share your experience if you have already reached financial independence?

Hi! Im a 20y/o NSF. And I want to reach financial independence by late 30s. I subscribe to a 3-prong approach.

1) Increase disposable income (Side-hustle, skills-upgrading, side business to generate more income streams, investment)

2) Reduce expenditure (buy high-quality and not for the brand, reduce unnecessary spendings, take advantage of tax benefits and grants)

3) Find a like-minded partner so that we can work together to reach our goals

Hope this helps!

Like most working adults, I am at the accumulating phrase in my FI journey. For me, FI is just about doing below steps right:

1. Earn more

2. Spend less

3. Invest the rest or some if your heart can't take the risk