Most FIRE adherents are familiar with the different tiers of financial independence (FI). Starting from coast-FIRE, barista-FIRE or Lean-FIRE all the way to the peak that is Financial Freedom (FF), each level is usually characterized by a marked improvement in one's freedom to disengage from paid labor. FF differs from FI in that it requires more than just having sufficient passive income to cover one's liabilities, the elusive FF tier is only attained when a person has more than enough passive income to lead his/her Ideal Lifestyle without worrying about money. Consequently, FF differs from person to person. For a person whose ideal lifestyle is to live in a HDB flat and take public transport, FF is probably easily reachable. For another, FF may mean GCB, yachts, and opulent cars. This may require one to hit the jackpot with some sort of crypto-scam, multi-bagger investment. That said, I do wonder, for the average Singaporean,...