“The most valuable thing money can buy is freedom from having to worry about money.” Since young, Mum had always advised me to save my money. Intuitively, I know that the saving habit was good, but it took me a long while to reconcile my urge to spend recklessly with the caution of having something extra for rainy days. Recently, I read an article from MMM (Mr Money Mustache). He is a famous blogger from USA who retired at the age of 30. He writes of a direct link between achieving FIRE (Financial Independence, Retiring Early) and the savings rate. Suddenly, my ferocious saving habit made more sense to me. The article can be found here. After getting your salary at the end of the month, if you save nothing, you probably have to continue working for the rest of your life. But if ......