Your approach is good, maybe more sensible than mine. My approach is learn to be as self-sufficient as possible, one of the reasons being to eventually rid myself of any reliance I have on money. Another is simply related to more survivalist attitudes. If I can live off the land, I'll be much more prepared for certain catostrophic events. For a while I planned to try and get a good computer related job (I have some certifications) and find a place where I could work one or two days a week in short shifts. Making a strong amount per hour and relying very little on money, this would be a very free lifestyle, one I'd be attracted to. I have very little passion for computers these days so I don't see myself pursuing that. I've just been working any job I could find, usually for about 6.50$ an hour.