[Flickr Image Credit: Coral and Sea Life in the John Pennekamp Coral Reef State Park at Key Largo Is Photographed at a Depth of 12 Feet by Schulke, Flip, 1930-2008. US National Archives]  When I reached 40 years of age and left the 30s behind, I realised that life was just beginning for me. My journey towards financial freedom made me realise that one of the key challenges of achieving financial freedom was my capacity to earn and to save. How does one achieve financial freedom? For me, it is to live within my means and to channel my savings from earned income into investible savings that will yield passive income sufficient to cover my living expenses. The key driver to saving besides spending less than one’s income is to increase one’s capacity to earn. We live in a knowledge society that rewards the ability to solve business problems using our brains and to get things done with people. Besides our academic qualifications that grants us a passport start to our careers, our continued contributions to the organisation through our skills, experience and ... Read the full article →