The only debt we have right now is my husband’s student loans, we have enough money in savings that we could pay them right now if we wanted to do so (They’re deferred while he is still in school, so there isn’t any rush.), and we could last for months without any fresh income, so I suppose by many people’s definition we already are financially independent. However, I would like to reach a point where I am working just because I enjoy it, and not because I’ll run out of money without it. I would like to be able to explore ideas that might not pay off right away (or at all!) without worrying about being “practical”.