648:. Achieving financial independence gives freedom to make the best use of time to pursue life's goals and dreams, or help the citizens of the community to lead a life with purpose. It is a state where one has come to terms with the fact of having accumulated enough, has been freed from the shackles of debt and the tendency to make poor financial decisions, and has transformed their relationship with money to make healthy financial choices. Gaining financial independence should not be confused with not having to work at all. Rather, financial independence gives the freedom to make choices at will, enabling individuals to achieve what matters the most while not having to worry about earning money.
85:
652:
percentage of income to achieve financial independence early in their career, as evidenced by people following the "financial independence retire early (FIRE)" movement, while others are in pursuit of traditional retirement. Some people may feel financially independent after accumulating enough assets to lead a modest lifestyle, while others may strive for a higher level of financial independence to afford luxuries, increased consumption, and a higher standard of living. Having a
32:
685:, having basic money management and problem solving skills improved their ability to achieve financial independence. Identity Capital Theory suggests that young adults grow up with the ability to manage money if they have access to physical resources like money knowledge and social connections, and are also able to take responsibility for their actions and able to make their own decisions. These resources help individuals become financially independent later in life.
701:
plan of the child. The family projection process explains how children can end up with emotional issues by being witness to their parents' toxic relationship. Financial socialization theory and communication privacy management theory sheds light on how the feelings and attitudes about money developed
710:
The
Behavior Portfolio Theory governs that investors are "normal" and cannot always make rational decisions due to their cognitive and emotional biases. The field of behavioral finance defines several biases and heuristics that offer insight into individual behavior and how these biases influence an
668:
Researchers have developed several theories to explain how financial behavior is influenced by values, attitudes, and biases. Parents may knowingly or unknowingly influence their children's relationship with money. These theories offer insights into how an individual or family members think and feel
947:
that generate $ 1000 or more per month, they have achieved financial independence. On the other hand, if a 50-year-old has assets that generate $ 1,000,000 a month but has expenses that equal more than that per month, they are not financially independent, as they still have to earn the difference
651:
Researchers posit that childhood experiences with money play a pivotal role in shaping values, attitudes, and financial behavior. Financial independence is a subjective concept and can be interpreted differently by different individuals. Some people practice frugal living, save and invest a large
938:
from the portfolio and concluded that an individual can safely withdraw 4% of their portfolio savings in the first year of retirement and can adjust the withdrawal rate by rate of inflation in subsequent years. If an individual can cover their annual expenses by withdrawing 4% of their portfolio
676:
Researchers have tested several methods of family financial socialization to study how young adults remember their parents teaching them about money when they were growing up and if it contributed in any way to their financial well-being and helped in achieving financial independence. In case of
620:
is a state where an individual or household has accumulated sufficient financial resources to cover its living expenses without having to depend on active employment or work to earn money in order to maintain its current lifestyle. These financial resources can be in the form of investment or
942:
Suppose a person can generate enough income to meet their needs from sources other than their primary occupation. In that case, they have achieved financial independence, regardless of age, existing wealth, or current salary. For example, if a 25-year-old has $ 1000 in monthly expenses, and
697:, who are not on the same page to pay off the debt, may seek help from their child and involve them in resolving the conflict. The resultant imbalance in the system, where three people each have different opinions, can further lead to unresolved issues and derail the
722:. An investor may hold onto a losing stock for long periods hoping it will increase in value in the future, indicating that an investor is loss averse. An investor may mimic trades of other investors in hopes of making a huge profit, showing signs of
717:
posits that individuals value gains and losses differently; the pain of experiencing a loss of $ 1,000 is more intense than the joy of gaining $ 1,000. Investors also tend to get carried away with recent information, leading to
1035:
952:
must be considered. If a person needs $ 100/month for living expenses today, they will need $ 105/month next year and $ 110.25/month the following year to support the same lifestyle, assuming a 5% annual
1427:
965:
is what the person owes. Increasing savings, reducing expenses, consistently investing with a long-term horizon, and having a well-diversified portfolio can help achieve financial independence.
669:
about money, stages of development to embrace a change, ability to resolve money conflicts, and overcoming unexamined cognitive and emotional biases to build a healthy relationship with
820:
source of income. An individual can tap into multiple sources of income to satisfy their income needs and maintain desired lifestyle after achieving financial independence.
753:
A couple may benefit from working with a financial therapist to resolve deeply rooted issues and feelings about money. A financial planner can help create a
1005:
Your Money or Your Life: 9 Steps to
Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018
660:, can provide a clear view of current incomes and expenses, to help identify and choose appropriate strategies to achieve financial independence.
693:
One of the eight concepts of Bowen's family systems theory is the concept of triangles. An elderly couple with an insurmountable amount of
1229:
1003:
604:
84:
1255:
LeBaronâBlack, Ashley B.; Curran, Melissa A.; Hill, E. Jeffrey; Toomey, Russell B.; Speirs, Katherine E.; Freeh, Margaret E. (2023).
1381:"Treating Financial Conflict in Couples Through a Bowenian Lens: Applied Financial Socialization and Communication Privacy Theories"
1113:"My Money and Me: Attaining Financial Independence in Emerging Adulthood Through a Conceptual Model of Identity Capital Theory"
816:. Generally, income from rental activities, and activities where an individual does not materially participate are considered
1569:
1531:
1499:
1363:
1239:
1045:
1013:
338:
784:
can be classified into multiple categories. In the United States, there are three sources of income; active, portfolio, and
1614:
673:. These factors can have major implications on an individual's or family's ability to achieve financial independence.
962:
957:. A person's assets and liabilities are important in determining if they have achieved financial independence. An
597:
246:
1198:
920:
53:
702:
and influenced by the family members in early childhood can result in marital conflicts later in life.
1629:
770:
590:
533:
328:
251:
44:
1037:
Playing with FIRE (Financial
Independence Retire Early): How Far Would You Go for Financial Freedom?
796:, material participation in trade or business constitutes active income. Portfolio income includes
211:
158:
49:
1546:
Bengen, William P. (October 1994). "Determining
Withdrawal Rates Using Historical Data" (PDF).
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187:
663:
1463:
1455:
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1331:
1284:
1257:"Talk is cheap: Parent financial socialization and emerging adult financial wellâbeing"
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168:
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to help an individual or family stay the course to achieve financial independence.
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333:
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206:
92:
76:
1602:
in
December 2008 by Vicki Robin with Monique Tilford and contributor Mark Zaifman.
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910:
861:
805:
714:
563:
548:
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390:
363:
343:
273:
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1231:
Psychology of
Financial Planning: The Practitioner's Guide to Money and Behavior
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108:
939:
savings, the individual is assumed to have achieved financial independence.
874:
852:
828:
813:
758:
719:
503:
400:
138:
1379:
Koochel, Emily; Astle, Nathan D.; Markham, Melinda
Stafford (2020-01-25).
1111:
Butterbaugh, Sarah Martin; Ross, D. Bruce; Campbell, Alyssa (2020-03-01).
31:
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626:
498:
460:
450:
435:
163:
153:
133:
123:
118:
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Langdon, Thomas P.; Grange, E. Vance; Dalton, Michael A. (March 2023).
1459:
1319:
1272:
766:
698:
634:
277:
225:
178:
148:
143:
776:
1199:"Bowen Family Systems Theory and Practice: Illustration and Critique"
1160:"The Intergenerational Transference of Money Attitudes and Behaviors"
949:
664:
Theoretical frameworks and factors influencing financial independence
640:
The concept of financial independence goes beyond just having enough
20:
19:
For the concept of independence from another person for support, see
1443:
857:
840:
834:
801:
797:
113:
1596:
Your Money or Your Life: Revised and
Updated for the 21st Century
905:
900:
809:
630:
528:
353:
235:
1304:"Factors associated with financial independence of young adults"
948:
each month to make all their payments. However, the effects of
914:
793:
781:
762:
678:
657:
645:
196:
1254:
1228:
Klontz, Brad; Chaffin, Charles R.; Klontz, Ted (2022-09-27).
958:
944:
837:
ownership (if the business does not require active operation)
823:
The following is a non-exhaustive list of sources of income.
682:
670:
641:
455:
296:
1063:"Family Financial Socialization: Theory and Critical Review"
869:
789:
694:
488:
323:
201:
99:
16:
Accumulation of sufficient resources to not need employment
1302:
Xiao, Jing Jian; Chatterjee, Swarn; Kim, Jinhee (2014).
1110:
926:
1061:
Gudmunson, Clinton G.; Danes, Sharon M. (2011-09-18).
677:
young adults, attaining college education, having an
1203:
Australian and New
Zealand Journal of Family Therapy
1521:
1378:
1227:
961:is anything of value that a person owns, whereas a
777:
Sources of income to achieve financial independence
1560:Dalton, Michael A.; Dalton, James F. (July 2021).
705:
1301:
1621:
1432:Journal of Financial and Quantitative Analysis
1425:
1060:
1001:
913:from creative works, e.g. photographs, books,
750:are examples of other biases and heuristics.
688:
598:
1559:
1492:Investment Planning: Concepts and Strategies
1002:Robin, Vicki; Dominguez, Joe (2008-12-10).
788:. The classification may vary by country.
757:and increase awareness on the benefits of
637:income sources, and varied other sources.
605:
591:
1308:International Journal of Consumer Studies
1033:
1622:
1489:
1485:
1483:
1481:
1479:
1477:
1426:Shefrin, Hersh; Statman, Meir (2000).
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1609:, published by Penguin Random House,
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1511:
1351:
1196:
1157:
1106:
1104:
1067:Journal of Family and Economic Issues
1029:
1027:
1025:
997:
995:
993:
991:
989:
934:conducted research to determine safe
927:Approaches to financial independence
25:
1605:Kristy Shen and Bryce Leung (2019)
1474:
1355:Family Therapy in Clinical Practice
1342:
711:individual's investment decisions.
625:, income generated from side jobs,
13:
1581:
1562:Fundamentals of Financial Planning
1508:
1215:10.1002/j.1467-8438.1999.tb00363.x
1101:
1022:
986:
14:
1651:
1494:(3rd ed.). Money Education.
83:
30:
1553:
1540:
1419:
1372:
706:Behavioral finance perspectives
1295:
1248:
1221:
1190:
1158:Britt, Sonya L. (2016-05-03).
1151:
1054:
1034:Rieckens, Scott (2019-01-01).
1:
1548:Journal of Financial Planning
1428:"Behavioral Portfolio Theory"
980:
1352:Bowen, Murray (1993-12-01).
7:
1385:Contemporary Family Therapy
1164:Journal of Consumer Affairs
1117:Contemporary Family Therapy
968:
43:to comply with Knowledge's
10:
1656:
1397:10.1007/s10591-020-09535-9
1129:10.1007/s10591-019-09515-8
831:and monthly income schemes
689:Psychological perspectives
18:
1590:and Joe Dominguez (1992)
1490:Dalton, James F. (2022).
1234:. John Wiley & Sons.
1079:10.1007/s10834-011-9275-y
534:Guaranteed minimum income
329:Diversification (finance)
921:Trust deed (real estate)
212:Employee stock ownership
159:Refund anticipation loan
56:may contain suggestions.
41:may need to be rewritten
1607:Quit Like a Millionaire
1592:Your Money or Your Life
129:Unsecured personal loan
618:Financial independence
569:Universal basic income
446:Portfolio optimization
421:Investment performance
292:Alternative investment
1197:Brown, Jenny (1999).
1040:. New World Library.
866:money market accounts
744:similarity heuristics
621:personal use assets,
738:, familiarity bias,
574:Volatility (finance)
544:Risk-return spectrum
386:Fundamental analysis
252:Defined contribution
1564:. Money Education.
1526:. Money Education.
1524:Income Tax Planning
1176:10.1111/local.12113
519:Financial inclusion
514:Financial deepening
416:Investment advisory
188:Employment contract
1320:10.1111/ijcs.12106
1273:10.1111/fare.12751
554:Structured product
494:Citizen's dividend
441:Passive management
169:Debt consolidation
1571:978-1-946711-39-7
1533:978-1-946711-23-6
1501:978-1-946711-11-3
1365:978-1-4616-2849-1
1358:. Jason Aronson.
1241:978-1-119-98372-9
1047:978-1-60868-580-6
1015:978-0-14-311576-2
732:confirmation bias
615:
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287:Active management
217:Employee benefits
174:Debt rescheduling
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45:quality standards
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1630:Personal finance
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1267:(3): 1201â1219.
1261:Family Relations
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896:Patent licensing
862:deposit accounts
748:affect heuristic
740:endowment effect
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466:Target date fund
431:Investor profile
426:Investment style
411:Impact investing
396:Growth investing
334:Equity (finance)
207:Salary packaging
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77:Personal finance
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715:Prospect theory
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564:Systematic risk
549:Social dividend
509:Economic bubble
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406:Hedge (finance)
391:Government bond
344:Estate planning
274:Personal budget
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264:Social security
247:Defined benefit
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755:financial plan
728:Hindsight bias
724:herd mentality
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654:financial plan
623:passive income
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1209:(2): 94â103.
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579:Watered stock
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62:November 2013
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1391:(1): 77â83.
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1123:(1): 33â45.
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882:, including
875:Life annuity
860:earned from
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780:
759:goal setting
752:
720:recency bias
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504:Credit union
401:Growth stock
379:independence
378:
139:Student loan
96:
59:
50:You can help
40:
1588:Vicki Robin
1008:. Penguin.
627:inheritance
499:Cooperative
461:Stockbroker
451:Speculation
436:Market risk
164:Refinancing
154:Payday loan
134:Rent-to-own
124:Credit card
119:Charge card
1635:Retirement
1624:Categories
1594:, Viking.
981:References
892:Oil leases
699:retirement
635:retirement
302:allocation
278:investment
226:Retirement
179:Bankruptcy
149:Title loan
1452:1756-6916
1413:254417837
1405:0892-2764
1336:145682919
1328:1470-6423
1289:251509392
1281:0197-6664
1184:0022-0078
1145:254418805
1137:1573-3335
1095:144466286
1087:1058-0476
963:liability
950:inflation
841:Dividends
810:annuities
806:royalties
802:dividends
767:investing
763:budgeting
736:anchoring
681:, owning
354:Financial
307:economics
54:talk page
21:Dependant
1468:51947571
969:See also
901:Pensions
858:Interest
835:Business
798:interest
794:salaries
475:See also
114:Car loan
109:Mortgage
1550:: 14â24
1460:2676187
915:patents
911:Royalty
818:passive
786:passive
631:pension
529:Fintech
374:planner
359:adviser
236:Pension
1640:Wealth
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845:stocks
782:Income
683:assets
679:income
658:budget
646:wealth
312:growth
197:Salary
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93:Credit
52:. The
1464:S2CID
1456:JSTOR
1409:S2CID
1332:S2CID
1285:S2CID
1141:S2CID
1091:S2CID
959:asset
888:bonds
880:Notes
870:loans
849:bonds
843:from
827:Bank
790:Wages
671:money
642:money
456:Stock
364:asset
297:Asset
1611:ISBN
1566:ISBN
1528:ISBN
1496:ISBN
1448:ISSN
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1360:ISBN
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1236:ISBN
1180:ISSN
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1042:ISBN
1010:ISBN
886:and
851:and
695:debt
656:and
633:and
489:Bank
369:plan
324:Cash
276:and
202:Wage
144:Pawn
100:Debt
1440:doi
1393:doi
1316:doi
1269:doi
1211:doi
1172:doi
1125:doi
1075:doi
868:or
644:or
349:ETF
339:ESG
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