Everyone has their own idea of financial freedom.
For some, it means being able to buy anything they want – the dream car, the villa by the sea, the luxury yacht.
That’s the image of wealth we're often shown: if you're financially free, you can afford everything.
But to me, financial freedom means something completely different.
It starts much earlier.
My Personal Standard for Financial Freedom
I don’t define financial freedom by owning luxury items –
I define it by having the freedom to control my own time.
Financial freedom means I can choose whether I get up and go to work today – or not.
It’s not about having millions in the bank, but about no longer being dependent on an employer.
The moment I decide how I make money and when I work, I’ve reached my goal.
The Moment True Freedom Begins
Many people think financial freedom means “never having to work again.”
That’s not the point for me. I don’t want to stop working –
I just want to stop having to work for others.
If my dividends and other income sources cover my life, I’m free.
I could still work – but only when I want to.
Examples:
• I could run a blog and make money from it.
• I could create websites for others if I feel like it.
• I could offer small digital services – but only on my own terms.
The key is:
• I no longer have to be somewhere at 8 a.m. just because someone expects it.
• I can choose when, where, and how I work.
• I’m my own boss – and if I want to take a week or a month off, that’s my decision.
Why Financial Freedom Doesn’t Require Millions
Many people think they need to be rich to be financially free.
That’s simply not true.
Financial freedom doesn’t depend on how much money you have –
It depends on how much money you need to live, and whether you can generate that money without working.
If someone lives a luxury lifestyle costing €20,000 per month,
they’ll need a massive fortune to be financially free.
But if I live a modest but fulfilling life on €2,000–3,000 per month,
then that goal is much more attainable.
That means:
• The less you need, the faster you’ll reach financial freedom.
• The more passive income you have, the less you rely on active work.
I don’t need to be a millionaire to be financially free.
I just need enough income from dividends, investments, or other passive sources to cover my fixed expenses.
Everything beyond that is real luxury.
How I Plan to Achieve Financial Freedom
I follow a clear plan:
Investing in dividend stocks – because they provide regular income without active work.
Building additional income streams – through my blog, digital services, or other projects.
Being mindful with money – through minimalism and smart investing, I need less to live well.
The goal is to reach a point where my investments support me,
and I never again have to take a job because I need to – only if I want to.
Conclusion: True Freedom Means Independence
Financial freedom is not the right to buy anything you want.
It’s the right to stop bending yourself for money.
My goal isn’t the Lamborghini or the mansion.
My goal is to have the choice:
• Whether I want to work today or not.
• When and how I spend my time.
• For whom and under what conditions I use my skills.
That is what true financial freedom means to me.
