Recently I come across a phrase of FIOR. The first moment which I see such acronym, I know that this has to be related to FIRE. I am unable to decipher the full name of the acronym without the reference. FIOR refers to “Financial Independence Optional Retirement”. This was the circumstance in which I was in before quitting the full-time employment sometimes last year. I would have continued such circumstance had the work situation not being worst and affected my health. I know that I had to make such exit decision for the sake of health. Life is nothing without good health. Without health, there is no point enjoying the benefits of the investment portfolio. I believe that this is some form of trade-off in totality. One cannot have all the cake and eat it. One will have to make the best possible decision in accordance to the existing circumstance and option available to one.