# Financial Independence ## Metadata **Status**:: #x **Zettel**:: #zettel/literature **Created**:: [[2025-12-20]] ## Synopsis - You can spend one 10,000th of your wealth on margin per day without jeopardizing your future wealth. - Assume 3.7% annual return - Margin means you have one 10,000th budget per day to upgrade your spending to improve your life quality. - FIRE (Financial Independence, Retire Early): Wealth > 25 x annual expenses - Assume 4% annual return ## References - [[GeekPlux - 消费决策成本与财富自由的关系 - Issue 12 (Highlights)]] - [[Nick Maggiulli - How One Rule Can Simplify Your Spending Decisions (Highlights)]] - Mentioned in [[Kevin Dahlstrom - Today I Turn 55 (Highlights)]]