It is hard to deny the importance of money in modern capitalistic life. More often than not, money is the carrot that is dangling in front of us, making us wake up at ungodly hours or rushing to appointments that we would rather not attend.

I reckon most people have resigned themselves to a lifetime of the above. Although I simply refused to.

And I always thought the option to Financial Independence, Retire Early (FIRE) is available to most residing in a developed country such as Singapore. Of course, I still earnestly believe everyone can start with the man in the mirror to consume less, improve their financial situation and save the Earth.

But the option to FIRE for everyone?

I am no longer so unequivocal in believing that’s possible for most, because I have come to understand that pursuing Financial Independence is a privilege. If one is not blessed with certain …