Uncle8888's Three Taps solution model to build sustainable retirement income for life in his financial independence phase is quite different from commonly adopted definition of financial independence when their investment income exceeding annual household expenses. Investment portfolio is their key component of cash flow; but not for him. His key component for cash flow lies with the strength of his Tap 1. Different stroke for different folks! With his Tap 1 future cash flow capacity already covering 100% of total future household expenses till 2038; so he doesn't have that sense of urgency now to increase the cash flow capacity of his Tap 3 ...