Financial freedom means not just having a lot of money, but someone is said to have achieved financial freedom if they live in their capability and are certainly free from debt. Apart from that, financial freedom is a condition when your financial needs have been satisfied in line your life goals. What kind of condition is called Financial Freedom?

• Current Monthly Cashflow
  The first characteristic is characterized by a current monthly cash flow. Cash flow is a financial record contains your income and expenses. You are considered as a financially freedom people if your monthly expenses are not more than your income.
• Free from consumer debt
  Freedom from consumer debt is the second characteristic of the financial freedom. Consumer debt is a type of debt that is used to satisfy a lifestyle or to follow the trends. If you want to buy goods to meet your lifestyle, you should save your money to buy those goods.
• Reserving Emergency Fund
  The third characteristic is having an emergency fund. Someone who is financially freedom must have anticipated all of unfavorable possibilities that might happen. Therefore, make sure you reserve an emergency fund. The ideal emergency fund is about 3 – 6 times of our monthly needs amount. Emergency fund is used for emergency matters such as if an emergency state occurs such as illness, accident or natural disaster.
• Allocating savings and investments, either for living or enjoying the life
  The latest characteristic of financial freedom and which is last but not least is allocation for savings and investments. Savings and investments can in the future, become a source of funds to meet life's needs in the future. Start your investment now, spare your time to learn and educate yourself about various investment instruments. Remain consistent and patient in managing your investments.

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