Thanks All – by Financial Independence I mean my investment income covers expected expenses, i.e. the point at which mandatory work becomes non-mandatory. I'm not a fan of the concept of RE as I think I'll "work" for the rest of my life on projects of some sort.
Sorry I used 401k as a bit of a clickbait (!) since most people on this forum are from the US and it's the closest thing to Hong Kong's 'MPF', which unfortunately is mandatory and cannot be withdrawn before 60.
Since my plan is to be FI (see definition above) by 40 to 45 (I am 30 now), the question was more geared towards whether my numbers as at age 40 to 45 should exclude my MPF contributions, since they cannot be accessed until a couple decades after my FI point?
One response above was: yes, if I assume I will live beyond 60. In this situation, it'll be a windfall at 60 - and that's why I have some reservations about including it as part of my 'financial state' at age 40 / 45.