Thank you - answers my question.

I suppose the follow up to your answer is, getting savings then depleting savings, is that really a long term life strategy. I can work hard for a year, have a year of "financial freedom," and then be back to zero where I started.

Where I'm going is that life needs an exit strategy, and not just a coffin.

So your metric of financial freedom would need to reach a healthy lifespan, of at least 85 years old.