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I see references to Dave Ramsey and Mr. Money Mustache (MMM). I would add financialintegrity.org and for the Entrepreneurial type, Robert Kiyosaki's RichDad.

As seems usual to me, the more I read of different approaches to a given task, the more similarities I am able to sift out, what I consider key underlying truths. My wife and I have been following Kiyosaki's recommendations, but we see similar ideas in the other three references above, as well as other sources of financial management.

We are accumulating cash-flowing assets, while maintaining a service business for basic income and tax benefits. We hope to retire in 6 more years or so, if all goes well. At that point we will be independently wealthy, which basically means our passive income is greater than our expenses.

Retirement for us just means working on different things and no longer being attached to a financially profitable outcome. I have discovered that I am a perpetual student, so this seems to be one of the few ways I can support that without debt for tuition.



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