Thank you so much for all your suggestions. This thread has gotten me thinking about financial independence with renewed vigour, thank you. I used to have a couple of apps, but a spreadsheet or an app is all the same for me. Both are equally tedious . I don't do either as regularly as I should. I read about others' habits too. Encourages me to do things which I probably may have been neglecting. Thanks for the link, I will check it out. Buying a house does not even factor into my plan any time soon, if at all . Houses are so damn expensive! Maybe I'll buy one when and if I can ever afford to get one without a mortgage if I choose to. If wishes were horses... FIRE is a little too extreme, I agree. But I like the idea of minimalism. Not extreme frugality, just minimalistic-ish. If you make a certain amount of money and with enough diversification I guess (hope) you should be immune to downturns in stock markets or anywhere else, shouldn't you? I'm a single mom, so saving a good amount is not that easy on just one person's income. But I gotta do what I gotta do. I have my eye on the prize and am not going to let up. Thank you for the book suggestions, Gallant. Appreciate it.