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I find most cost saving measures inconvenient. However, it is also a matter of aligning your lifestyle to be 'low cost'. Focus on the big items and let the small items take care of themselves. skimping on a coffee? no thanks (cost $1800/pa) Not owing a car - works for me (saves $1,500/month)...

Are we not getting a bit to carried away with where the income comes from? To me, no income is completely passive. It all requires some level of effort to generate. If its watching the stock market, dealing with property managers, or even talking to your accountant once/twice a year to sort...