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Focusing on significant expenses, such as housing and transportation, is crucial for achieving financial independence. By minimizing costs related to these two areas, individuals can free up substantial amounts of money that can be redirected toward savings and investments. For example, reducing a monthly mortgage or car payment can yield much greater savings than cutting back on smaller purchases, such as daily coffee. This approach underscores the idea that optimizing major expenditures can lead to a more comfortable and financially secure lifestyle.