"The chains of habit are too light to be felt until they are too heavy to be broken."
Financial independence is reached when your investments earn enough money for you to sustain your lifestyle without needing to work. For example, if you work a job and you make $50K per year and you spend $40K for the year, the goal would be to invest enough money that you begin to earn at least $40K or more per year from your investments. Notice the goal isn’t to drive the latest nice car or buy the dream house. The goal is to create a system of habits that result in your current financial lifestyle being paid for without having to work a job. Once you master this, you will be ready to begin creating a system for generating wealth to get all of the “toys” and “non-essentials” (e.g. nice cars, dream homes, boats, planes, etc.).