Achieving financial independence is a journey that requires education, discipline, and strategy. Here’s a comprehensive guideline that takes you from novice to advanced levels of financial independence.
### Stage 1: Novice (Understanding the Basics)
#### 1. Assess Your Financial Situation
- **Create a Net Worth Statement**: List all assets (cash, property, investments) and liabilities (loans, mortgages).
- **Track Income and Expenses**: Use