What exactly is financial freedom? Many people say every day that they want to achieve financial freedom, but then turn around and can't clearly explain the true meaning of these four words, let alone calculate how much money is needed to reach that point. As a result, so-called financial freedom becomes an elusive dream.

In fact, financial freedom, simply put, is a way of life — you are no longer forced to work for a living, essentially retiring early. The prerequisite to reach this state is to save up a certain amount of money.

Let's do some calculations. Suppose you are 30 years old this year, plan to retire at 65, and expect to live another 20 years after retirement, with an annual living cost of 100,000 yuan. Working backwards: if you can save 2 million yuan in any year before 65, and then achieve a stable return of 8% annually (with 5% used for living expenses and 3% to combat inflation), you might be able to retire early. According to this logic, saving 2 million yuan by age 31 is also entirely feasible — because the 5% annual return is enough to cover your daily expenses, and the remaining 3% helps you fight inflation.

Ultimately, the problem boils down to two core choices:
1. How to earn 2 million yuan in the shortest possible time?
2. How to ensure your assets grow steadily by 8% each year?

For crypto asset allocation, you can consider the following approach: 40% Bitcoin (aiming to double), 30% Ethereum (looking at 4x potential), 15% Dogecoin (potential 6x), 10% emerging coins (seeking 100x opportunities), and 5% primary market opportunities (possibly 1000x in extreme cases).

Indeed, such a portfolio carries risks. The key is perseverance — if your mindset isn't steady enough, don't force it. Focus on surviving first, then steadily build wealth — that’s the right path.