Having financial independence as a target should be a long term goal for everyone.

Achieving Financial Independent Early Retirement (F.I.R.E) on the other hand makes the task even more difficult because we are competing for time where it plays a big factor.

Long term readers of my blog know that I’d like to achieve F.I.R.E sometime in the mid 30s from the start, and I’ve always make this as a personal stretch goal which I will review each year.

I have always believed that there are 3 levers that will determine the outcome of my situation and that I will need to achieve at least 2 out of the 3 minimally in order to be successful.

Before that, let’s go through what are those 3 levers first.

1stLever: Income Growth


Most of us grows our capital base by being an employee working …