Breathing Room Level in Financial Freedom

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Breathing room is the third level of financial freedom, where someone is able to set aside a portion of their income (not measured by income) for savings, emergency fund investments, and even retirement planning. At this stage, someone who has reached breathing room rarely gets into personal debt because their income will always exceed their expenses, so at this stage, someone has begun to prepare for their future.

There are many obstacles at the breathing room level, such as the desire to appear more dignified or achieve greater prestige, which, if uncontrolled, can lead to increased spending.