A person's life is a journey. From born to 25 years of old, he or she gains the ability to make a living. Then it is followed by 40 years of working life. Usually a person retires at 65. Happy years will be the next 20. Current life expectancy is 85. I believe, if one uses financial products intelligently, he/she may need only work for 30 years and starts to enjoy freedom 10 years earlier!