You sound like a complete moaner on here, a poor us, a poor me. A leftie that blames the govnuts for everything.
I see you have avoided the question on investment (no surprises there). We are talking about making money for retirement or financial freedom/ both.
You did bag property investment/ landlords, and your only answer is be happy. LOL
You can pick all the daisies you want.
Freedom is my happiness, so yes I can buy an early retirement...not far off.
and back to the question which you have avoided completely, but allude to yet again....
"Education , to learn the right and the wrong way to make a dollar."