It was 3 years ago where i start to see the importance of money, time and all the bullshit.. In order to plan the steps to achieve Financial Independence(FI), I have to first define what is my maximum spending amount a month that I think is sufficient (Physically, Emotionally, Spiritually).

The figure would be $10k a month

That number includes – housing rental, bills, parents allowance and all the other materialistic crap. The next step(2nd) is to figure out the formula to achieve that amount (which I will call it FI). Obviously, the most popular theory is to study hard(Academic knowledge) and work your balls off in order to reach a certain position(fight with financial instability and the time wasted) and KACHING $$$. Being young and ambitious, I choose to go against that.

 K + P.I = FI

Knowledge(K) + Passive Income (P.I) = Financial Independence(FI)

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