To gain our financial independence, we need patience and determination.br br Step 1: Record your financial transactions.br It is important to write down all your expenses and income. Save all receipts and write in a notebook, spreadsheet, or application on your smartphonebr br Step 2: Organize Your Budgetbr br Knowing how much you earn and spend per month, you can organize into two categories: fixed expenses and variable expenses. From there, you can define what expenses can be cut to spare money to invest in your future.br br Step 3: Create Financial Goalsbr br Money serves our needs. So it is important to know what your needs are. For example, pay the mortgage, buy the car with cash or make the trip of your dreams.