Both Mrs Budget and myself counts ourselves as relatively lucky. As compared to most of our peers, we have the option to plan for our early retirement, and have the means to work towards that.

We count ourselves lucky too as we are aligned in terms of how we view money, and our aspiration towards building a comfortable future together.

For myself, being financially independent means that I will have the option to do meaningful work, work that I enjoy. For the Mrs, that means having an option to leave her current comfortable but mundane job and probably spend time with our family and live a carefree life.

I always ask Mrs, that we should spend more time talking about the kind of lifestyle we want. As much as we are actively managing our finances and have a clear goal, I have to admit that we don’t have a clear