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To be financially independent requires effort

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We all keep talking about financial independence, but no acting. It will be deemed useless. It will be like pirating your own self-esteem. How could you acquire financial freedom when you do not even have savings? It will be a distasteful thing if we keep on imagining nice things for our future but haven't started yet. And when shall be the right time? It's now 2026, and some people might have no business or investment yet. Will, if each of us has a good job with a good salary, then let us just ride the tide of the moment until finally, there is a great opportunity to start with something that bears good money-making someday.
 
No matter how we work harder if we don't have savings, no emergency fund and no capital to operate a business or invest in something, everything will turn to futility. We must be smart, let's invest in something we can afford to lose to experience. It's from the experience that we learn a lesson and strive more to change the version of ourselves.
 
In fact, our parents have been preparing us from an early age, starting with introducing us to money in everyday life, sending us to school, and finally, to obtain a degree and a decent job. Furthermore, achieving financial independence requires not only hard work, but also planning, implementation, and control.
 
It is essential for each and everyone of us to make estimations and calculations as to how to reach the goal to become financially independent during old age or as much as possible while still in the early 40's.
 
There are only a very few people upon retiring live in financial freedom. Most retirees only live in their monthly pension which is not enough so the children chip in for some cash for their parents to survive. Acquiring a financial freedom must start at an early age, like 20.
 
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