Just one thing, I became really interested in this too. It made me very unhappy that I didn't have it it. Sort of jealous of everyone who does have it. I see a contradiction now in what I wanted: living frugally to be free of pointless desires but in the end craving that so badly it was ruining my best years.
(Ps I still throw as much as I can afford in a pension because I'm terrified of being poor with no ability to earn when I'm older)
Anyway just my take, I'd still love to be financially free but I've accepted I won't be.
