You may have came across this article in today’s The Business Times ,,, an interesting article in searching of “ The Freedom formula “ for early retirement . The big word “ R”  or retirement is very subjective and one may not want to retire if he/she really enjoying the works and some may want to retire earlier to pursue their dreams and passion . Here is another article on “ 10 good reasons to retire early “ (here ) , some may choose to retire early because of “health issues , work stress , spending more times with kids etc … “ once they achieved level of enough “passive income “ . In the article appeared in The Business Time , the writer seems more incline to “ saving rate “ vs “ yield of investment return “. He try to explain and illustrate that by increasing the saving rate from 60% to 70% , one can shorten the years to achieve financial freedom by ......