Examine your purposes for paid employment. You have X number of hours left in your life. Determine how you want to spend those remaining hours. Step 8, capital and crossover point: By doing steps one through seven, you will move towards F1. With step 8, the possibility of financial independence opens up. What you should begin to see in the wall chart is a growing gap between income and expenses. That is savings. Before F1 thinking takes over, a normal person might regard those savings as earmarked for a spoilage. But F1 thinking saves those savings in a different light. Capital is money that makes more money. It keeps working for you and produces an income just
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