The Road to Financial Independence may actually be shorter and faster via higher return on human asset WITH higher saving rate. Shouldn't the younger ones be more focus on generating higher return on their human asset with higher saving rate? You can see Uncle8888's Return on his human asset vs. Return on his financial assets over the last 15 years since Jan 2000 and make your own judgement. But, we must also be fully aware that our human asset may has limited growth capability. One day we might not even notice that our human asset has started depreciating and will depreciate down to zero value. In our working life, in the 1st half we should focus more on our human asset and in the 2nd half we can let our financial assets supplement the return on our human asset. Finally, one day our financial assets will be able to take ......