1. I haven't reach financial independence! 2. I need MORE money to pay for increasing household expenses for growing up children 3. I need MORE money to save and invest In the same office; we can see some working very hard and some slacking obviously. The funny thing is that some of these slackers were previously working very hard. How come like that? Real Manager. Real Slacker. This ex colleague kept complaining to Uncle8888 about this slacker in his team and Uncle8888 replied to him. Either you sack him or live with it as he doesn't need the job as he already reached financial independence way ahead of his time. He is in the office just to pass time. The Moral of Story Not all who have reached financial independence means they will retire early to travel more or having lots of leisure and fun......