I get letters from readers of all ages. Obviously, all of them have different circumstances and they have different motivations for writing to me. However, many are interested in achieving financial freedom on a sustainable basis. What does this mean? It means having regular and consistent passive income in sums big enough for them to stop working for an earned income, if they so wished it. Questions such as, "Is this possible?" and "How is this possible?" are rather common. Of course, I have blogged about such topics often too. Once in a while, I would get an email that is like a cry of despair. These emails are usually from people who are in their 40s like me or in their 50s. They are people who have yet to start ......