A short discussion on financial education since most people are not aware on how to attain financial independence. This will help people become aware of other concerns. This assumes that a lot of personal debts had been paid off and dumped forever. No new loans anymore since we are aiming for retirement planning that concentrates on the generation of income streams other than from employment sources.
Perhaps with the exception of a paid-down home mortgage, the next discussions will focus on the additive side of personal finance and no longer on the subtractive side (amortization, interest charges, fees). For many experts, a home mortgage is perhaps the only acceptable type of consumer loan that should be taken in by anybody. Besides the low rate because it is long term, who can buy a house in cash?
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