I am unemployed for quite some time due to job mismatch. I have highly specialised skills. Anyway, after some time, I decided not to become an employee any more. I decided to chart my own destiny. I sold my landed home and downgraded to a penthouse condo and paying off all my mortgages and loans. I then spend my time investing in the stock market with a million dollars in my account. I earn about $80k pa in dividends and trading gains per annum. My wife is also working and she earns $90k pa. Our household expenses is $100k pa and we share the expenses equally. We manage to save $70k pa. Being debt free feels great. I now sleep in peace knowing that we are debt free.