Financial indipendence explained in 3 step

Financial independence is real simple to explain. If you have a job and you are a wise man problably you are in a situation like this

You have a job and income from it, you have expenses (bill, mortage ecc..) and if income > expenses you have saving. Simple

After that you can generate passive income from your saving (es if you buy stock they can generate dividends)  so the picture  can became like that

If your passive income = expenses you are financial indipendent so you can live

only from income from your saving without changing life style

If this is easy to understand the real question is “how can I achieve financial independence?” This is the main question but this trivial picture has more subtle question