Financial independence comes from earning more and spending less – focus on whichever gives you the bigger win.
Cutting a $500 monthly expense equals earning an extra $500 after taxes – same impact!
Track your savings rate and net worth, not just account balances.
The higher your savings rate, the faster you’ll reach independence.
Consider geographic arbitrage – earning well while living somewhere affordable can accelerate your progress.
Some people get there through careful spending, others through higher income.
Find your balance and what feels sustainable.
