Read? This Picture shows it financially how to do it. Depending who you are to be an actionable picture. The earlier picture found in the cyber world has been revised with this missing option  - Choose work Financial independence is the means to an early retirement. If someone doesn't know what to do with his or her so much free time; it is better not to retire. Financial independence is NOT a flip over switch to retirement. We must learn to phase ourselves into retirement to explore other activities other than holding a job to make a living. When we reach our independence; we no longer fear of losing our jobs so we are not anxious when we hear rumor on coming re-organisation or re-structuring. We also don't look forward to count our annual bonus and salary increment. We can really slowly down on our current job or choose work ......