Grow financially independent

Expand your lifestyle to up 4% of your holdings.
Your expenses should never exceed 4% of how much you have invested.

Diversify your investments with 60% stocks and investment funds, 10% bonds, and 30% real estate funds.

Consider buying a house.
Choose a house that fits your personal and family needs. Now that you’re already in the wealth preservation stage, you can already afford to buy one.

Decide to either continue working or retire.
You can only retire when you already have 25x the amount you need per year to cover your lifestyle. Otherwise, continue working until you reach that state.

Invest 100% of your earnings if you’re still working, even if you’re already financially independent.
Think about your family who will benefit from it in the future.