This actually depends on your attitude towards life. Even if you have no savings, you can live a free and easy life. Some people have an annual salary of tens of thousands but still feel that they have no money and need to make more money. The biggest obstacle for me to achieve financial freedom is low income and I don't want to go out to work. In fact, I am very satisfied with my current life. I have savings but not much. My concept of financial freedom is that there is money that can't be spent. So it is difficult for me to achieve financial freedom. When I have money, I want to have more money to live a better life. I think my whole life has been in pursuit of financial freedom.