Why a 90k a Year Lifestyle Could Be the Key to Your Financial Freedom and Independence

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Why a 90k a Year Lifestyle Could Be the Key to Your Financial Freedom and Independence

Many of us dream of becoming financially free and independent, but few of us achieve it. We may follow conventional advice, such as saving and investing for the long term, or trying to earn more money through a high-paying job or a side hustle. However, these strategies may not guarantee success, especially if we don’t know how to manage our resources or align our values with our goals. As a result, we may end up feeling stressed, overwhelmed, or unfulfilled, despite our material abundance.

What if there was another way to approach financial freedom and independence, one that didn’t require us to sacrifice our happiness, health, or relationships? What if we could achieve it by adopting a 90k a year lifestyle, or a lifestyle that reflects our true needs and desires, instead of our expectations or comparisons?

This idea may seem counterintuitive or unrealistic to some people, especially those who equate wealth with status or security. However, it is based on research, experience, and common sense, and it has helped many people to break free from the rat race and build a happier and more meaningful life. Here are some reasons why a 90k a year lifestyle could be the key to your financial freedom and independence:

1. It allows you to avoid lifestyle inflation and debt. Lifestyle inflation is the tendency to increase your spending as your income grows, without considering whether the expenses are necessary or valuable. Debt is the consequence of overspending or living beyond your means, which can limit your choices and options in the future. By adopting a 90k a year lifestyle, you can build a buffer between your income and your expenses, and use the surplus to save, invest, or donate to causes you care about.

2. It helps you prioritize your values and goals. When you live a 90k a year lifestyle, you have to be intentional about what matters to you and why. You can’t afford to waste your money, time, or energy on things that don’t align with your values or goals. Therefore, you are more likely to invest in experiences, skills, relationships, and activities that enrich your life and make you happy. You can also align your work with your purpose, by seeking jobs or businesses that offer autonomy, creativity, and impact, instead of just a high salary or prestige.

3. It gives you more freedom and flexibility. When you don’t have to work long hours, commute, or deal with office politics, you have more time and energy to enjoy your life and pursue your interests. You can travel, volunteer, learn, or create as you please, without feeling guilty or stressed. You can also adapt to changes in your life, such as having a family, getting sick, or retiring, without having to worry about how to sustain your lifestyle or pay your bills. You can even experiment with different ways of living, such as minimalist, frugal, or eco-conscious, to see what works best for you.

4. It reduces your stress and anxiety. When you live a 90k a year lifestyle, you don’t have to compare yourself to others, or feel inferior or superior based on your material possessions or social status. You can accept yourself and others for who they are, without judging or resenting them. You can also avoid the pressure to conform to societal norms or expectations, which can be exhausting and alienating. Moreover, you can develop healthy habits and routines that support your well-being, such as exercising, meditating, or sleeping well, without sacrificing your productivity or creativity.

Of course, living a 90k a year lifestyle doesn’t mean you have to earn exactly 90k a year, or that you can’t exceed it if you want to. It simply means that you aim for a lifestyle that is comfortable, sustainable, and fulfilling for you and your family, based on your values, goals, and circumstances. You may find that you can achieve it with less or more money than you expected, depending on where you live, what you do, and how you approach your finances. The point is to stay true to yourself and your vision, and to enjoy the journey as much as the destination.

In conclusion, adopting a 90k a year lifestyle could be the key to your financial freedom and independence, by helping you avoid lifestyle inflation and debt, prioritize your values and goals, give you more freedom and flexibility, and reduce your stress and anxiety. It may not be the only path to success, but it is a viable and joyful one, that has worked for many people. If you are interested in exploring it further, you may want to read books, blogs, or forums on personal finance, minimalism, or intentional living, or talk to people who have already embraced it. You may also want to share your story and insights with others, so that they can benefit from your experience and wisdom. Whatever you do, remember to enjoy the process, and to celebrate your progress, no matter how small or big it is.

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