The first couple of years of discovery of the concept of financial independence is exciting. There are constant changes being made to speed up the journey. Reduction in expenses here, an increase in income there.

You can reduce your potential age of retirement from age 70 to age 50 or even younger, depending on when you start. The huge cut in time required to work is exciting and motivational in itself.

There comes a time though, that once you make all the changes you can possibly make that you start running on auto pilot. The excitement of financial independence, although still there, starts to wane significantly […..]