I was tallying up my numbers to plan for the short term goals in the next 2-4 yrs. I was 'suddenly' inspired to save up again. The last time I did that was because I wanted to save up for my downpayment and renovation for my flat without getting in debts. So there was this period that I was going 50k per year savings for 3 yrs. Looking back, it's a very sad 3 yrs where I worked like a crazy rabbit on steroids. Here's goes the thesis. I want to earn enough passive income to hit my stage 1 of my financial freedom game. Stage 1 means that I will have enough dividends to pay off my part of the monthly mortgage loans of 1k (total 2k, but split between me and wife). So working backwards, I needed 240k on a basis of 5% returns to get 1k per ......