I read with interest from a blogger who mentioned that the math is moot. In his blog, he mentioned that it is not necessary for one to wait till his/her stash to be 25 times his/her annual expenses before he/she calls it a day on the full-time employment. I agree with such analogy as I feel that time is of essence. It’s the matter of time in which one has 25 times his/her annual expenses. The flexibility will come into the picture when it comes to the annual expenses.