20s, 30s, 40s .....

Bahija is learning psychology now , quite interesting, but confusing and blur as well with all those terminology and theories , too deep for me... today's topic is on more on the 'financial' side.. when I was in the 20s , graduated from Uni , paid car instalments, paid taxes , gradually accumulated the savings .... worked very hard. Then I set a personal goal for myself , sth I need to achieve when I reach 30. I achieved it. After crossing 30s, I slowed down tremendously on my wealth accumulation. I shifted my focus on other things which are not related to 'finance' - Praise God !... in my early 30s, I always wanted to aim for 'debt-free' ..... now reaching 40s, I guess if I set a goal of 'debt-free', I may be able to achieve that easily. But at this stage now, my personal review is that I need to correct the statement, it's not 'debt-free', it should be 'financially-independent' - it's a huge differences betweeen the 2. Last time, I always dumped my extra cash into housing loan ( some said I'm a steady low risk conventioner investor la - the nicer term). Looking back , at the rate of inflation, at the rate of increased cost of living, at the rate of my age and the remaining active years - 'financial independent' is a dream :) - how much is needed, that is very subjective , depends on the individual's need and desires. All I can say now is that , it is quite 'cool' relaxing to be debt-free too .... perhaps , I can slowly acquire more skills and work on the dream goal la.... no worry !