The ultimate crossover point is when your passive incomes are finally more than your total expenses. This is when you know you have reach financial freedom. At this point, you will no longer be bound by the need to have a job. You will have this very special reward called choice. Choice to work or just to stay at home the entire day. Choice to travel for an entire year and choice to never work again.

The only problem is that the journey to this crossover point is long and tedious. Different people set different points as spending and saving needs and powers are different. For example, if you spend very little and save a lot, you will reach your crossover point very quickly. And if you spend a lot and save very little, you will reach your crossover point very late in life or never at all. No pain …