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How Financial Independence Really Looks Like

It’s not about luxury and power, it’s about the ability to do whatever you want.

7 min readSep 4, 2025

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There are two types of wealth: money-based, where you have enough to buy whatever you want whenever you want, and time-based, where you can do whatever you want without limitations.

Throughout my life, I’ve experienced both in one way or another.

I’ve held positions at a company where I’ve been able to earn enough to retire my mother and buy her an apartment 20 minutes from the beach, and currently, I have enough time to do whatever I want (even though I don’t have all the money I had when I was an employee).

Many people confuse the term financial independence with being (or appearing) extremely wealthy. Their goal is to make so much money that they could do whatever they want, even if it costs them all their time and life to achieve it. They build empires, make risky financial decisions, and get up every day at 5:00 AM to work on their projects until they can’t see the sun anymore.

However, having been on both sides of the wealth lifestyle, I can firmly say that true financial independence is more about having the time to be free (even if you don’t earn much) than having all the wealth at your feet but having to work for it every day.

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The Startup
The Startup

Published in The Startup

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Desiree Peralta
Desiree Peralta

Written by Desiree Peralta

Turning ideas into reality. Programmer by profession, Writer by passion. Finance and business advice. | Weekly money advice https://dessyperalt.substack.com/

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