Thank you that was very helpful. I also noticed there are graphs out there that shows you how much you need to be FI at a minimum, does that number look at the gross net worth or net??? The reason I ask is because I have funds in TFSA and RRSP's, with the TFSA, I can withdraw funds without being taxed, but the RRSP is different, whenever you withdraw, they tax you on the amount. So let's say I have 1000$ in my RRSP, when I withdraw, i'll probably get back around 700$ and not the 1000$.