Start at Level I, get to Level II and stay there. Maybe make Level III.

No complaint… is more common than that of a scarcity of money. — Adam Smith

After the longest economic expansion in American history, movements sprung up to reach financial independence and early retirement (FIRE). Focusing on retiring to a life of travel and leisure is a pitfall that blinds seekers from reaching actual financial independence. Many are simply unaware of the level in which they begin or where they currently reside…