“Freedom” is defined as being exempt from confinement or constraint, having options, and feeling unrestricted. That is what most people are striving to attain, especially in their financial lives. The opposite of freedom is bondage, restriction, and limited options. I have spent four decades helping people of all ages and income levels find financial freedom. This outcome is achieved by focusing on the one key—spending less than you make and doing it for a long time. The following pages have a similar