Financial independence, financial freedom, retirement - are all based around the same principle - the key difference is we view retirement based on an age rather than a personal financial status.
For many of us the thoughts of saving and contributing to a pension plan early in our careers is irrelevant, and as we progress with our careers, and create greater financial obligations, the process of funding the future can become more difficult.
Here is some thoughts on what can be done, and whilst it targets age 40's , still has some good points to make.
