i happened to pass by this thread i think Tham had share some great insight for financial freedom, However the early you start the highest you can go, compounding interest is very high when you have hit certain amount.

Look at below picture i have put in some illutration, you can see by yourself how hard to accumlate 1mil and how easy it can accumulate to 2 mil. so richer become even richer =)

below graphic assume 30 years timeline and your salary is around RM5000+ with 5% incremental every year , Dividend is also 5% which we all know it will be higher than that.