I respect the people who say 'life isn't a routine'. I was once said the identical sentence.

Anyway, that does not matter to me at this moment. I would like get things settle and pray hard time gets better at least for the next few years.

Something about financial. What is financial freedom? Google it, you will lots of explanations and people brag about how they achieve their financial freedom. However, to me, at this stage, financial freedom = zero debt. Don't you agree??