I am a 35-year-old who have reached financial freedom. This wasn’t due to any brilliance or hard work. My investment returns are pretty bad actually. I was diagnosed with a critical illness and my insurance policies paid out. I was in my early thirties. While I’m likely have a much-shortened lifespan, still gotta have an income. I invested the proceeds in bonds and stocks. The income generated exceeded my expenses, hence I didn’t need to work if I don’t want to. I am on a hiatus from work for now, and thinking what does financial independence and early retirement really mean. I’m not a guru or salesman, just a simple man who wishes to contribute.