This is deceiving- just because you cross over does not mean you are financially independant. In my own terms, it means you have passed from accumumlating money to growing money (your deposits are little compared to even a small growth in portfolio).
Financially independant is if you have 25X expenses saved up in annuities, pensions or retirement accounts. 25X is based on the trinity study and is where the 4% withdraw rule comes from.
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