ChooseFI · Monday, July 27, 2026
Dr. Jasper Lee reiterates his previous point that the journey to financial independence (FI) is primarily psychological, with mechanics playing a smaller role. He notes that changing one's thinking, habits, and behaviors is often the most challenging part for individuals pursuing FI.
“the journey to FI is probably about 90% psychological and maybe only 5 to 10% about the actual mechanics of money.”
“Sure, the investing matters, the tax strategies matter, but for most of us, the harder part is changing our thinking, our habits, and our behavior.”