06/03/2026
Many people think they're stuck because they don't earn enough.
Often, they're stuck because they've built a life that requires every future paycheck to arrive exactly on schedule.
That's a fragile system.
The path to financial independence isn't necessarily earning more money. It's gradually reducing your dependence on earned income by building assets, cash flow, and optionality.
The goal isn't retirement.
The goal is freedom.
Read the full essay:
https://theinvestingmindset.substack.com/p/foundation-essay-13-how-to-design
What's one thing you're doing today to become less dependent on your paycheck?