I decided to embark on my path to financial freedom about 5 years ago. So, what inspired me to get started? I discovered that no matter how hard I worked I would still be a stinking rat in the rat race. Looking at some of my colleagues carrying balls and backstabbing each other just to get a promotion and increment of about $200 bucks truly disgusted me. Then, I reached a ‘tipping point’ and decided enough was enough! I needed to get out of the rat race! I started reading thousands of books and attended thousands of seminars. Ok, ok . Maybe just a few hundred books and a few hundred seminars. All these were on investing and financial planning. To cut a long story short, every single financial planning book advocated living with a budget, recording every single transaction, being frugal and bla bla bla. Well, some even tell ......