I really like your perspective on passive income being the key to financial independence. It's all about slowly building up those alternative income streams until they can cover our basic expenses. That way, our primary job becomes more of a choice than a necessity. It's a great long-term goal to work towards.

And you're right about the importance of life insurance, especially for breadwinners. It's a way to protect our family if something unexpected happens. Even if we can't afford a huge policy, even a small amount can provide some peace of mind.