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RE: Financial freedom and retiring early (Fire); and why people do not attain it
Income and lifestyle are both factors that contribute to this in my opinion. Some people earn so little that even if they try to save everything they earn, it will never be enough to enjoy life after they retire.
The second category is for those who have enough to invest but they always want to live a lavish lifestyle which results in working hard to make a living eventually at the end of their lives.
You are correct also there are people who do not even earn enough to sustain them talk more of investing and there is the second category you talked about also.