I’m sitting on a white sand beach, the sun casting sparkles on the turquoise water, making it shimmer. I pick up my drink and take a sip, cool sweet coconut swirling around my tongue.

I set my drink down and pull out my phone. As I log into my investment portfolio, I sit up to shield the sun, making sure I’m not seeing things. But it’s there and it’s real. My portfolio has grown large enough that just a small percent could easily cover all my expenses for the past year, albeit humbly. I may not be rich like the people who own the yachts parked along the shore, but I have enough to live a comfortable life, on my terms. I am financially independent.