What is independence?
Is that some tell you when you take vacation?
Is it living 9 to 5 lifestyle?
Is it that someone else than you decide your income?
I think is not and I think 40/40 plan is not vaiable option any more.
Think what your life would be if money was not the issue... would you travel more... Would spend more times with your loved ones... what would it be like?
Take charge of you own life and be truly independent!