"Once you reach this point everything else is about being able to make your own choices, not being backed into a corner because you have bills to pay."

You're an individual. You can already make your own choices.

My big problem with this whole "FU" money concept, and your thought I quoted above, is that people seem to think they need to get this opportunity from someone else. That someone else gives them the opportunity to do what they want to do. That someone else is the one who gives them the money. If you continue to think like this then that's exactly what'll happen - you'll be unable to make your own choices because you are waiting for someone else to make them for you.

I do hope to post more on this shortly.