I wouldn't consider financial independence a point after which you just stop and look at the stars. Things can change abruptly, and no amount of investments or wealth is enough under the wrong auspices. I would consider financial security a step toward financial independence. But for many, it is the step they are happy to reach and maybe don't even dare to think beyond that.
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Yes, sometimes, I tend to view it as driving a car, when you reach financial independence, the car becomes semi autonomous, you can sit on the passenger or back seat, but just don't sleep, lest the car crashes.
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I like your analogy! Indeed, that's how I see it too.