Awesome article! MMM's below quote summarizes 99% of the people I work with...
"Mustache sees things similarly. “Financial independence is not an age-related concept,” he says. “It simply means your income from sources other than work is enough to pay for your lifestyle.”
Most people wrongly focus on the income side of this equation, he says. “They want as much income as possible in retirement, to ensure the happiest possible life. What they are missing is that happiness is almost completely unrelated to how much you spend.”"