The weather was beautiful, we just had a barbecue party in the afternoon of the Independence day.

We celebrated the 4^th of July, the day of independence, we had great food, lots of fun, we watched the firework; everyone sang the independence, cheered the independence, acclaimed the independence.

But are you truly independent? I mean financially?

Speaking of financial independence, it typically means having enough income to cover the expenses, including living expenses and medical expenses for the rest of your life without having to work full time.

When we are young, we have more responsibilities than our wealth, so we work hard to take care of our family; but when we are getting older, our wealth is accumulated, and our responsibilities are getting less, because kids are finishing up college, mortgage, loans are paying off; but we need to plan for our retirement and our health are getting worse, then we have to start thinking about ourselves, how to take care of ourselves, right?​